I have never really understood debt cards either.
I “think” they are for people who don’t trust themselves enough to use a credit card responsibly *shrug*
I get 1000’s of dollars in cash back rewards a year from using my credit card. I think debt card people are nuts personally.
Personally I don’t care what you think.
I also personally don’t give a crap what you think, either.
I have applied for the free cash and never seen a dime of it.
I have my debit card set up at a limit. I can only get $300 a day. If something cost more, I use a credit card.