Why choose Credit Cards?

Choosing between a debit card and a credit card involves weighing various pros and cons to determine which best suits your financial needs and habits.
vs
Debit Card
Not included:
Limited Fraud Protection
Impact on Credit Score
Immediate Funds Deduction
Limited Rewards and Benefits
Spending Limits
Fewer Consumer Protections
Credit Card
Included:
Fraud Protection
Credit Building
Grace Period
Rewards and Cashback
Using Bank's Money
Consumer Protections
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The Platinum Card® from American Express Exclusively for Charles Schwab
Earn 5X Points on Amex Portal
$200 Hotel Credit, $200 Airline Fee Credit
$240 Digital Entertainment Credit
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Annual fee: $695
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American Express® Gold Card
4X Points at Restaurants
4X Points on Groceries
3X Points on Flights
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Annual fee: $250
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Blue Cash Everyday® Card
3% Cash Back on Groceries
3% Cash Back on U.S. Online Retail Purchases
3% Cash Back on Gas
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No Annual Fee
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Prime Visa
5% back at Amazon.com, Amazon Fresh, Whole Foods Market, and on Chase Travel purchases with an eligible Prime membership
2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
1% back on all other purchases
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No Annual Fee
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Chase Sapphire Reserve®
10x total points on hotels and car rentals
5x total points on flights
$300 travel credit
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Annual fee: $550
Apply
Venture X
10x total points on hotels and car rentals
5X Miles on flights
2X Miles on all other purchases
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Annual fee: $395
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VentureOne Rewards
Unlimited 1.25X Miles on every purchase
5X Miles on hotels and rental cars
No Foreign Transaction Fees
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No Annual Fee
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Apple Card
3% Daily Cash at select merchants
2% Daily Cash when pay with Apple Pay
1% on all other purchases
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No Annual Fee
Apply