A broader look at credit card industry, for those who can pay off monthly balance, is those people use it to get more points than they would with the debit card

A broader look at credit card industry, for those who can pay off monthly balance, is those people use it to get more points than they would with the debit card attached to the checking account where the funds sit for the autopay. Rewards and benefits on debit cards are low or nonexistent due to regulatory pressure in USA to have lower network processing fees than credit cards. Europe has lower card network fees than USA, so there are fewer rewards cards available.