The best option in the US is to use a credit card as if it were a debit card, and pay your balance off every month. This way, you get to take advantage of the b

The best option in the US is to use a credit card as if it were a debit card, and pay your balance off every month. This way, you get to take advantage of the better fraud protections, cash-back rewards, and balance-smoothing benefits of the credit card, without paying any intetest. And it improves your credit score. Unless you have no financial discipline, there's no reason to use debit over credit.