I have 500 dollars waiting for me from using my VISA credit card with points. You don't get that with a debit card. If you pay it off every month you're not spending any more money.
My VISA debit card also has points.
I’m not that disciplined and I own up to that. I’m happy paying cash.
I earn miles with my VISA debit card - Alaska Airlines mileage program where I can earn and spend miles with a dozen airlines (Internationally and domestically). I earn a mile for every 2 dollars spent.
I USED to be able to buy postal money orders and earn miles; for $180 worth of money order fees I could earn 60,000 miles (buy $2000 worth of money orders, pay the $3 fee, earn 1000 miles, deposit the money orders back in your bank account that afternoon, repeat the next day). Enough for a round trip international flight on NWA, Delta, or American Airlines. However, they finally got wise to that last year and stopped giving mileage for money spent on stamps or money orders. Racked up 300,000 miles until they caught that one, though...
It was nice, though, to fly to Bangkok, Munich, Santiago, Beijing, and Tel Aviv for $180 each!