Why OnestPay Is Better Than Debit Cards?

Around 30% of American households use debit cards for their monthly payments (Federal Reserve reports, 2025). And, it’s clear by now, that debit cards have become a trusted financial tool for millions. They’re simple, direct, and help you stay within budget. When you use a debit card, you’re essentially spending your own money — no credit checks, no borrowing. You’re keeping your spending in check, avoiding debt, and managing your finances responsibly.

That’s admirable. In fact, debit cards are part of the everyday American wallet — right next to cash and credit cards — helping households plan their monthly budgets without overextending themselves.

But here’s the big question: Are you getting rewarded for your financial discipline?

If you’ve ever thought, “My bank debit card has no rewards,” you’re not alone. That’s one of the key disadvantages of debit cards many consumers overlook.