I've got a Visa and a MasterCard! They are debit cards, but they are still Visa and MasterCard! Show me the difference!?What debit card do you have that pays cash-back as well as extended warranties on the items you purchase with it?
FWIW I get up to 5% cashback...
This^^^
No, they aren't the same. The consumer protection laws are different credit vs debit. You are far more protected with credit cards. Other differences include benefits offers, overdraft protections/denials, minute gains made by deferring the payment (kicking the can down the road), etc.
"Overdraft protection"? Really? You can't keep a running balance? "Deferring the payment "? Why?