Ditch the Plastic, Keep the Perks: Top Debit Cards with Travel Discounts
- July 2, 2024
- Banking
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For individuals unable to qualify for rewards credit cards due to bad credit, debit card rewards programs offer a valuable alternative to earn perks and discounts on everyday spending.
These programs often provide cashback on purchases, travel benefits like discounts on flights or hotels, and even access to exclusive events or experiences.
While the rewards may not be as extensive as those offered by credit cards, they still provide a way for individuals to enjoy some benefits without the risk of accumulating debt or incurring interest charges.
Top Debit Cards with Reward Discounts
OneUnited Checking - No Credit Check Loan
The OneUnited debit card gives customers access to over 800,000 hotels worldwide with up to 20% off reservations along with a variety of additional cash back offers from various merchants.
Features we like most
- Minimum deposit: $25
- Surcharge free ATMs at over 100,000+ locations
- Up to 20% cash-back in various categories like food, hair products, hotels, cosmetics
- Early paycheck with direct deposit
- Add cash at over 90,000 locations across the country through a partnership with Green Dot
- FDIC insured up to $250,000
- iOS app rating: 4.7/5 stars
- Android app rating: 4.4/5 stars
SoFi Checking/Savings - $325 Welcome Bonus
SoFi Bank partners with Expedia to offer 10% hotel discounts using the SoFi debit card.
Features we like most- Earn a $25 bonus by opening a new account and funding with at least $10. Set-up direct deposit to increase to up to $300.
- Savings earns 4.60% APY with direct deposit or 1.20% APY without
- Checking earns 0.50% APY on balances
- 55,000+ fee-free ATMs within the Allpoint® Network
- Savings Vaults to budget for expenses like rent, groceries or travel
- $50 Overdraft coverage with no fees
- No account fees or balance minimums
- FDIC insured up to $2M
- iOS app rating: 4.8/5 stars
- Android app rating: 3.9/5 stars
Perks Checking - Earn 50 cents per swipe
Primis Bank merges the backing of an FDIC institution with the brains of a tech company. The digital bank offers a checking account that earns .50 cents for every debit card swipe (except ATM transactions).
Features we like most
- $1 Minimum Deposit
- No Overdraft Fees
- Free incoming wires and check images
- Earn 50 cents per purchase, not including ATM transactions
- FDIC-insured
- iOS app rating: 4.7/5 stars
- Android app rating: 3.7/5 stars
Benefits of using debit cards over credit cards
No Debt Accumulation: Unlike credit cards, debit cards draw directly from your bank account, preventing you from spending beyond your means and accumulating debt.
No Interest Charges: Since you’re using your own money, there are no interest charges associated with debit card purchases, saving you money in the long run.
Better Spending Control: Debit cards encourage mindful spending as you see the immediate impact of each transaction on your account balance, making it easier to stick to a budget.
No Credit Score Impact: Debit card usage doesn’t affect your credit score, making them a safer option for those who want to avoid credit-related risks.
Fewer Fees: Debit cards often have lower or no annual fees compared to credit cards, and you won’t face late payment fees or interest charges.
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