Um....American Express has had this for ages.
Perhaps they object to the term “American?”
Yep. This is basically the same thing as my checking account with debit card, only:
A) I don’t pay a yearly/monthly fee to use it. I have direct deposit at least once a month.
B) I don’t pay $.95 every time I use it. Actually, I have keep the change and BoA matches like 1% of that or something.
So think of it as a card with the negatives of debit (need to have enough in account) and the negatives of credit (interest/charges on purchases).