Credit card vs Debit card
Side-by-side comparison, when-to-use-each guide, and instant conversion. Reviewed for 2026.
Purchases over £100 (Section 75 protection), travel insurance benefits, cashback/rewards, building credit score.
Everyday spending within budget, avoiding debt risk, simpler finances, children learning money management.
| Aspect | Credit card | Debit card |
|---|---|---|
| Section 75 protection | Yes (£100-£30,000) | No (Chargeback only, less powerful) |
| Fraud protection | Stronger | Good but weaker than S75 |
| Rewards/cashback | Common | Rare |
| Overspend risk | Yes (credit limit temptation) | No (limited to balance) |
| Interest if unpaid | Yes (15-30% APR typical) | N/A |
Frequently asked
What is Section 75?
Under the Consumer Credit Act 1974, if you pay for something costing £100-£30,000 with a credit card and it goes wrong (company fails, item not received, misrepresented), the credit card company is equally liable. This is often called 'Section 75' and is one of the strongest consumer protections in UK law.
Do I need to pay in full with a credit card to get Section 75?
No. Even paying just a deposit on a credit card covers the entire purchase under Section 75 if it's between £100 and £30,000. Pay the remaining amount in cash or debit card, and you're still protected.