The use of cash for transactions has slowly declined. Moreover, it has been replaced by other payment options, with debit cards being the most preferred choice. A debit card is typically linked to one’s current account and lets users swipe it at stores to purchase products or services. It also offers a range of benefits to its users. The key to grabbing the best offers will depend on the type of card one has.

1. Empower Debit Card
The Empower debit card has a monthly maintenance fee of about $8 but a $0 minimum deposit requirement. Additionally, customers can earn up to 10% cash back on purchases and a 0.01% APY. Customers can use the accumulated rewards to balance the $8 monthly fee.

2. ACE Elite® Visa® Prepaid Debit Card (Pay As You Go)
Those who are not frequent users of prepaid debit cards could consider this pay-as-you-go ACE Elite® Visa® Prepaid debit card. There are no monthly fees with this card, and there are no fees for international withdrawals. Customers also get early access to direct deposits. Empower also gives customers a 14-day free trial.

3. Bank of America Debit Card
A debit card from the Bank of America offers customizability for those looking to earn cash-back rewards on most purchases. One can find three Bank of America Advantage Banking checking accounts, each with a monthly fee of $4.95 to $25. The fees could be waived by meeting age or balance criteria. Using a relevant Bank of America debit card, one could earn cash back through the BankAmeriDeals program. There is also no cap on cash back.

4. Regions Now Card
The Regions Now Card has zero cash reload fees and waives the monthly $5 fee if one uses the card to make at least seven purchases during a statement period. One should note that the maximum balance on a Regions Now Card is $7,500, with a daily spending limit of $3,000 per card. One could ask the bank for a higher daily purchase limit by contacting customer service.

5. Bank5 Connect High-Interest Checking
This debit card from Bank5 Connect earns interest on account balances in addition to earning cash back on purchases. The Bank5 Connect Purchase Rewards program works differently, letting users pick rewards by browsing offers from specific retailers through the bank’s mobile app or online platform. There is no monthly fee, and one could earn about 2.70% APY on a minimum balance of $100.