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By Taylor Tepper
May 11, 2016

What’s the difference between a picking swiping as debit or credit with a card? Does it matter which one I choose?

No, it doesn’t really matter.

There are debit cards and there are credit cards, and you can’t alter your piece of plastic’s nature simply by pushing a button while you’re paying for your groceries.

Your debit card is connected to your bank account, and you don’t change that simply because you pick “credit.” If you do click the credit button while you pay with a debit card, you don’t use your pin and the transaction is completed a bit differently at the back end. The end result is the same. Credit users, if asked, should pick credit.

Advertiser Disclosure

The purpose of this disclosure is to explain how we make money without charging you for our content.

Our mission is to help people at any stage of life make smart financial decisions through research, reporting, reviews, recommendations, and tools.

Earning your trust is essential to our success, and we believe transparency is critical to creating that trust. To that end, you should know that many or all of the companies featured here are partners who advertise with us.

Our content is free because our partners pay us a referral fee if you click on links or call any of the phone numbers on our site. If you choose to interact with the content on our site, we will likely receive compensation. If you don't, we will not be compensated. Ultimately the choice is yours.

Opinions are our own and our editors and staff writers are instructed to maintain editorial integrity, but compensation along with in-depth research will determine where, how, and in what order they appear on the page.

To find out more about our editorial process and how we make money, click here.

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