Thank you for everyone’s comments and suggestions. I’m aware of the differences between a regular credit card and a debit card and the pros and potential cons of each. While I do have an American Airlines affiliated credit card in which I pay an annual fee, I have no issue paying the fee for the service of using the card. In looking over the websites mentioned, the drawback to the Net Bank Visa debit card is that if used as a debit card, one does not earn any miles, only as a credit card transaction will it earn miles. While it is the best value at $20.00 per year, I could use a regular Visa card, which I already have, to earn miles.

The debit card offered by CharterOne.com is free for the first year, however, they only issue miles if the transaction is handled like a charge, rather than a debit.

*Edited for additional content*

[This message has been edited by raffy (edited 07-12-2001).]