Can I get cash back if I run my debit card as credit?

Can I Get Cash Back If I Use My Debit Card as Credit?

Using your debit card as if it were a credit card, often referred to as “card-present credit,” is a common practice. However, a crucial distinction often overlooked is that these transactions won’t typically earn cash back rewards. This is because the transaction isn’t treated as a credit purchase; it’s a direct debit from your account. Rewards programs are designed to incentivize credit card use, not debit card use in this manner.

While you won’t receive cash back, it’s important to understand the security implications. Visa and Mastercard zero liability policies generally protect you from fraudulent charges if your debit card is used without your knowledge or authorization. This protection is a significant benefit when making in-store purchases using your debit card. However, this protection is not guaranteed for online purchases or ATM withdrawals, even if a PIN isn’t directly used. Always be vigilant and report any suspicious activity promptly.

In summary, while the “card-present credit” function of a debit card offers a convenient way to pay, it’s not a pathway to cash back rewards. The focus should remain on understanding the security provisions and limitations, and to always be cautious with your card’s usage.