My Finnish debit and credit cards are equally accepted everywhere. I normally pay with Apple Pay, also sometimes chip & pin, and of course online. For all pur

My Finnish debit and credit cards are equally accepted everywhere. I normally pay with Apple Pay, also sometimes chip & pin, and of course online. For all purposes, they are the same. In fact, they are bundled in the same physical card. The only difference is that one debits my account immediately (usually, unless the point of sale is not networked), and the other collects debt I usually pay off at the end of the next month. I've never had any special rewards or cash back programs associated with my cards. There is some kind of travel insurance bundled with my Visa Credit cards, but that's kind of worthless for me as I usually have other insurance in place already.