I read about the coins thing on this website but this is just not my thing. I want to stay away from it. As far as Debit card is concerned, I have a Continental Chase Debit Card but I guess univ and apt complex charges 2.5% fee on any form of plastic whether CC or debit card.
Well, if there is no way out, so be it. At least I am still earning miles on utilities, food and other daily expenses.