What is a debit card?

A debit card is primarily designed to withdraw funds directly from your checking account. When you make a purchase using a debit card, the amount is immediately deducted from your available balance, providing a straightforward way to manage your expenses. This functionality allows users to access the money they already have without incurring debt, as is the case with credit cards.

The other options describe features that are not applicable to debit cards. For instance, a card that offers credit refers to a credit card, which allows users to borrow money up to a limit to make purchases, creating a debt that must be paid back later. A card that accumulates reward points is typically associated with credit cards that provide benefits for spending, while a card used exclusively for online shopping does not accurately represent the functionality of debit cards, which can be used for both in-person and online transactions.