Anybody using a DEBIT card for miles?
Nov 13, 2003 | 12:36 pm
#1
Original Poster
Join Date: Apr 2003
Location: Indianapolis
Posts: 705
Anybody using a DEBIT card for miles?
I am interested in obtaining a debit card for miles. I have been using a debit card for 15 years but it does not yield any miles. Anybody using a debit card that yields miles? thanks
Nov 13, 2003 | 12:49 pm
#3
Join Date: Nov 2003
Location: MKE
Programs: AA Exec Platinum, SPG Platinum / Ambassador / Lifetime Gold, Avis FIRST
Posts: 3,293
Yes, Citibank is the way to go. They give you miles on AA. They are also running a promotion now where you get some extra $$ for opening an account online. www.citi.com
Nov 13, 2003 | 1:07 pm
#4
Join Date: Jul 1999
Location: Land of 10,000 Upgrades
Posts: 9,459
Nov 13, 2003 | 2:36 pm
#6
Original Member
Join Date: May 1998
Posts: 2,513
Bank of America also has good ones that works with PIN transactions (Citibank's does not).
Info on debit cards can be found in the Banking section of the Finance page of my web site below.
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Free Frequent Flyer Miles
Info on debit cards can be found in the Banking section of the Finance page of my web site below.
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Free Frequent Flyer Miles
Nov 14, 2003 | 2:40 am
#7
Join Date: May 2001
Location: The Wild West
Posts: 1,349
I have had the Citibank AA debit card for about a month now. I have not had the bonus miles post, but the miles from my first purchases were posted in a timely manner.
I think there are two versions of the card - one which gives you 1 mile for every $2 spent and another that has a 1:1 ratio. There is an annual fee for both.
I have to say that I had thought a lot about the pros and cons of the card before I broke down and ordered it. The biggest con for me was the annual fee. Fortunately, it is waived for Citibank private bank and Citigold customers.
I think there are two versions of the card - one which gives you 1 mile for every $2 spent and another that has a 1:1 ratio. There is an annual fee for both.
I have to say that I had thought a lot about the pros and cons of the card before I broke down and ordered it. The biggest con for me was the annual fee. Fortunately, it is waived for Citibank private bank and Citigold customers.
Nov 14, 2003 | 10:18 am
#8
Join Date: Oct 2003
Location: SF
Programs: /usr/bin
Posts: 1,334
I would think that the reward style credit cards would refrain from allowing debit transactions. To me it sounds like that makes them extremely vulnerable for abuse.
For example, someone goes to the ATM, withdraws their daily limit (mine is $800) goes to the teller and deposits the cash. Boom: 800 miles. Certainly they must have some type of checks/balances to ensure this type of abuse dosen't happen, correct?
For example, someone goes to the ATM, withdraws their daily limit (mine is $800) goes to the teller and deposits the cash. Boom: 800 miles. Certainly they must have some type of checks/balances to ensure this type of abuse dosen't happen, correct?
Nov 14, 2003 | 11:38 am
#9
Join Date: Feb 2003
Location: Houston, Texas
Programs: United 1K, Marriott Plat, HHonors Diamond
Posts: 653
Continental also offers a debit card through Chase. I don't have it, but boy do they sure advertise throughout Houston all the time for it. Depending on the card you choose, you can get 1,000 or 2,000 bonus OnePass miles.
Nov 14, 2003 | 12:32 pm
#10
Original Member
Join Date: May 1998
Location: St Petersburg, FL, USA
Posts: 2,276
Help me out here -
Why would anyone give up the consumer protections plus the benefit of a deferred payment that a credit card provides for no additional value over a credit card?
Scenario 1: the hotel clerk accidentally puts through an $8,000 charge instead of an $800 charge. With a CC, if there are any problems, a call to your CC company clears it up. With a debit card, you have just depleted your bank account, and checks start bouncing all over the place. You get hit with bad check fees, overdue fees, and your credit report gets a black mark.
Scenario 2: you buy something online from flybynight.com and they do not deliver. A call to the CC company gets you a quick resolution, and you don't have to pay the charge. With a debit card, the dot-bomb already has your cash and you have to fight to get it back.
Why bother?
Why would anyone give up the consumer protections plus the benefit of a deferred payment that a credit card provides for no additional value over a credit card?
Scenario 1: the hotel clerk accidentally puts through an $8,000 charge instead of an $800 charge. With a CC, if there are any problems, a call to your CC company clears it up. With a debit card, you have just depleted your bank account, and checks start bouncing all over the place. You get hit with bad check fees, overdue fees, and your credit report gets a black mark.
Scenario 2: you buy something online from flybynight.com and they do not deliver. A call to the CC company gets you a quick resolution, and you don't have to pay the charge. With a debit card, the dot-bomb already has your cash and you have to fight to get it back.
Why bother?
Nov 14, 2003 | 1:22 pm
#11
Original Member
Join Date: May 1998
Posts: 2,513
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by Tino:
Help me out here -
Why would anyone give up the consumer protections plus the benefit of a deferred payment that a credit card provides for no additional value over a credit card?
Scenario 1: the hotel clerk accidentally puts through an $8,000 charge instead of an $800 charge. With a CC, if there are any problems, a call to your CC company clears it up. With a debit card, you have just depleted your bank account, and checks start bouncing all over the place. You get hit with bad check fees, overdue fees, and your credit report gets a black mark.
Scenario 2: you buy something online from flybynight.com and they do not deliver. A call to the CC company gets you a quick resolution, and you don't have to pay the charge. With a debit card, the dot-bomb already has your cash and you have to fight to get it back.
Why bother?</font>
Help me out here -
Why would anyone give up the consumer protections plus the benefit of a deferred payment that a credit card provides for no additional value over a credit card?
Scenario 1: the hotel clerk accidentally puts through an $8,000 charge instead of an $800 charge. With a CC, if there are any problems, a call to your CC company clears it up. With a debit card, you have just depleted your bank account, and checks start bouncing all over the place. You get hit with bad check fees, overdue fees, and your credit report gets a black mark.
Scenario 2: you buy something online from flybynight.com and they do not deliver. A call to the CC company gets you a quick resolution, and you don't have to pay the charge. With a debit card, the dot-bomb already has your cash and you have to fight to get it back.
Why bother?</font>
2. Some people know that they will abuse any credit card they have, and so need the discipline of a debit card.
2. Many business accept debit card pin transactions, but do not accept credit cards. (I buy my gasoline at one of these.) The Bank of America debit cards are the only ones I know of that give miles for PIN transactions.
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Free Frequent Flyer Miles
Nov 14, 2003 | 1:24 pm
#12
Original Member
Join Date: May 1998
Posts: 2,513
<font face="Verdana, Arial, Helvetica, sans-serif" size="2">Originally posted by gt_croz:
I would think that the reward style credit cards would refrain from allowing debit transactions. To me it sounds like that makes them extremely vulnerable for abuse.
For example, someone goes to the ATM, withdraws their daily limit (mine is $800) goes to the teller and deposits the cash. Boom: 800 miles. Certainly they must have some type of checks/balances to ensure this type of abuse dosen't happen, correct?</font>
I would think that the reward style credit cards would refrain from allowing debit transactions. To me it sounds like that makes them extremely vulnerable for abuse.
For example, someone goes to the ATM, withdraws their daily limit (mine is $800) goes to the teller and deposits the cash. Boom: 800 miles. Certainly they must have some type of checks/balances to ensure this type of abuse dosen't happen, correct?</font>
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Free Frequent Flyer Miles
Nov 14, 2003 | 3:19 pm
#14
FlyerTalk Evangelist
Join Date: Jul 1999
Location: ORD/MDW
Programs: BA/AA/AS/B6/WN/ UA/HH/MR and more like 'em but most felicitously & importantly MUCCI
Posts: 19,811
KeyBank offers a free debit card tied to CO OnePass that give one mile for ever $2 spent, but I don't know anything about service levels.
Nov 18, 2003 | 3:56 pm
#15
Join Date: Sep 2003
Location: Brooklyn, NY & Medellin, Colombia
Programs: CO Platinum, Avianca Platinum Exec
Posts: 439
Looking back at my OnePass statements, I picked up about 15,000 miles this year through signature-based purchases on my Chase Continental MasterCard Debit Card. The miles post like clockwork two months behind (August's purchases are on my October OnePass Statement). In addition, when you book online at Continental with a MasterCard (which the Chase Continental Debit Card is) you now get an additional 1,000 mile bonus for using a MasterCard, in addition to the 1,000 mile bonus for using www.continental.com. All in all not a bad way to pick up additional miles. (Although it pales in comparison to the miles I pick up on idine.com).