How to Use a Credit Card Like a Debit Card (2024)

Table of Contents

  • What does treating your credit card like a debit card mean?
  • Why would I want to treat my credit card like a debit card?
  • Why not just use a debit card instead of a credit card?
  • Tips to effectively use your credit card like a debit card

Article updated on Sep 27, 2023

Credit cards are inherently risky -- here's how to avoid some common pitfalls.

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How to Use a Credit Card Like a Debit Card (1)How to Use a Credit Card Like a Debit Card (2)

Written by

How to Use a Credit Card Like a Debit Card (3)

Peter Butler

Writer

Peter is a writer and editor for the CNET How-To team. He has been covering technology, software, finance, sports and video games since working for @Home Network and Excite in the 1990s. Peter managed reviews and listings for Download.com during the 2000s, and is passionate about software and no-nonsense advice for creators, consumers and investors.

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Edited by

How to Use a Credit Card Like a Debit Card (4)

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

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CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Reviews ethics statement

Our Experts

How to Use a Credit Card Like a Debit Card (5)How to Use a Credit Card Like a Debit Card (6)

Written by

How to Use a Credit Card Like a Debit Card (7)

Peter Butler

Writer

Peter is a writer and editor for the CNET How-To team. He has been covering technology, software, finance, sports and video games since working for @Home Network and Excite in the 1990s. Peter managed reviews and listings for Download.com during the 2000s, and is passionate about software and no-nonsense advice for creators, consumers and investors.

See full bio

Edited by

How to Use a Credit Card Like a Debit Card (8)

Courtney Johnston

Senior Editor

Courtney Johnston is a senior editor leading the CNET Money team. Passionate about financial literacy and inclusion, she has a decade of experience as a freelance journalist covering policy, financial news, real estate and investing. A New Jersey native, she graduated with an M.A. in English Literature and Professional Writing from the University of Indianapolis, where she also worked as a graduate writing instructor.

See full bio

CNET staff -- not advertisers, partners or business interests -- determine how we review the products and services we cover. If you buy through our links, we may get paid.

Reviews ethics statement

Why You Can Trust CNET Money

Table of Contents

  • What does treating your credit card like a debit card mean?
  • Why would I want to treat my credit card like a debit card?
  • Why not just use a debit card instead of a credit card?
  • Tips to effectively use your credit card like a debit card
How to Use a Credit Card Like a Debit Card (9)

How to Use a Credit Card Like a Debit Card (10)

Written by

Peter Butler

Writer

Peter is a writer and editor for the CNET How-To team. He has been covering technology, software, finance, sports and video games since working for @Home Network and Excite in the 1990s. Peter managed reviews and listings for Download.com during the 2000s, and is passionate about software and no-nonsense advice for creators, consumers and investors.

Advertiser Disclosure

CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. For many of these products and services, we earn a commission. The compensation we receive may impact how products and links appear on our site.

How to Use a Credit Card Like a Debit Card (2024)
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