I know Citi TY has a debit card that earns 1pt for every $3 in PIN purchases. Anyone know of another that does. I'll take a PM if necessary. Thx

Citi also has an AA debit card. 1 mile for each dollar spent on non-pin / signature transactions.

Sorry I am looking for PIN earning opportunities only. Signature based earning debit cards are useless to me.

never mind. OP wants PIN only.

I do find it curious that you want to find more opportunities for PIN based transactions. Most advise to never use a PIN unless there is no ability to do signature.

In the style of Wikipedia:

I've never heard this.

Until recently, I always specifically asked for a PIN-only debit card (or purposefully did not activate the credit half of a signature debit card) in order to avoid the problems encountered if/when the card gets compromised. (Debit cards are legally afforded the same fraud protections as credit cards [except that most credit cards extend it from $50 to $0, whereas I'm not sure most debit cards do the same], but it can get really inconvenient to be out the actual money during the process.) As long as I was extremely careful about my PIN, I always felt safer using my PIN.

Plus, having the activity post instantly and the money instantly transferred out made checking balances and keeping up with everything easier as opposed to having to wait a day or two before seeing my purchases through the credit networks appear.

Of course, the siren call of miles is too much, so I rarely use my debit card in any fashion, though that may change now that I finally broke down and did the Citi premium AAdvantage card (1 mile per dollar, just like the credit card). We'll see.

If your PIN is compromised people have access to your money through ATMs. Also, it is more difficult to dispute PIN based transactions.

Credit Boards was my source. Most of the users on CreditBoards do not recommend using PIN based debit transactions if there is an option to do signature. One could argue that this behavior is instilled by all the programs that reward signature over PIN, but not everyone has that.

That's interesting, in Australia we're being pressured to let customers do PIN instead of signing.

And the UK/Europe have gone entirely to Chip and Pin, rather than signature.

Anyone tried to buy money order with citi TY debit card using pin and collected TY points? I think this might be very appealing if it works.

I am averse to debt card POS purchases for the reason highlighted in the post below. Its not only about actual monetary loss but also potential headaches if the bank has to lock up your account during their investigation.
I concur it would be a nice feature for the credit cards to follow suit, i.e., list all temporary authorizations online account information. In fact, the FIA serviced cards, e.g., Schwab 2% cash rewards card and Fidelity 2% Amex cards both have the online feature - the temporary authorizations are shown online almost instantly.

I think this is what the OP was going for. I don't have a TY debit card, but if it works for the MO's, I'll be next on the bandwagon.

The chip/pin method is by far the most secure. Sadly, the US has been very slow to adopt. (Though I have seen a few POS terminals that look to accept chip + pin cards, none of my credit card vendors offer the chip option.)

I am not a fan of using the standard card + pin. Because all an "evil-person" needs to do is read the data at the POS terminal and replay the mag code + PIN after you leave (ATMs being prime targets). Without going into the math behind it all; a chip (at least the ones designed right) wouldn't produce an output that an attacker can repeat. So the only time the card could be used is when it is connected to the reader.

We used our debit AAdvantage card as a credit card in Europe to avoid the foreign transaction fees. However, after we got home, we received massive charges on the card. Took about 48 hours and a few calls to be resolved but we did get it resolved fairly easily. Citi credited the money back to our account without problem.

The downside, however, is that if you have checks outstanding, they may get bounced. We were lucky and did not have any checks written. This, in my opinion, is the biggest reason to avoid using a debit card for purchases.

At least with a normal credit card, you are not talking about bouncing checks or having money tied up pending resolution of fraudulent charges.

My friend buy money order then thousand every month(LA).
Last month citibank(NY) mailed a letter told him all checking accounts would be closed in one month. And he can not apply again.

Correct, but those are not "PIN-based" transactions in the sense of the debit cards here in the USA. The main difference here is the amount that the banks collect on the transaction. On a typical CC transaction the amount the bank makes is WAY higher. So they like and reward those. On a debit/PIN transaction the banks make a LOT less and so you don't get as rich of rewards.

Most banks will still issue a true ATM card rather than a debit card if you ask. At least I've been successful.