Help Topics > MONEY > MONEY Card > Debit MasterCard > What is this Card considered – a Debit Card or a Credit Card?

What is this Card considered – a Debit Card or a Credit Card?

It’s a debit card because the money for purchases you make is deducted from your MONEY right away. With a credit card, you borrow money to make purchases and pay the amount plus interest at a later time. However, when you’re asked “Credit or Debit?” in the checkout line, you can do either. The merchant is simply asking you if you wish to sign (Credit) or enter a PIN (Debit) to authorize the transaction.

Investment and Insurance Products Are:


Not FDIC InsuredNot Bank GuaranteedMay Lose Value
Not a DepositNot Insured By Any Federal Government Agency

Banking and lending products and services are offered by Capital One, N.A. NMLS ID 453156, and
Capital One Bank (USA), N.A., Members FDICOpens a new window Equal Housing Lender

Investment products are offered by Capital One Investing, LLC, a registered broker-dealer and Member FINRAOpens a new window/SIPC Opens a new window .
Investment advisory services are provided by Capital One Advisors, LLC, an SEC-registered investment advisor.
Insurance products are offered through Capital One Agency, LLC.

All are subsidiaries of Capital One Financial Corporation.

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. All rights reserved.