“Debit card with one of the credit card logos on it. The only thing that’s dicey is renting a car. Most won’t let you but I think Budget and Alamo are ok.”
Yes, there are certain places you have to watch...like hotels who will typically put on twice what the stay would normally cost. They claim it’s to protect themselves against damage.
I keep a checking account with VISA check card specifically for online purchases. I fund it as necessary.
You’re way smarter than most consumers.