Debit cards are financial tools that allow consumers to access their bank accounts directly for purchases. Unlike credit cards, which enable borrowing, debit cards withdraw funds directly from the user's checking account, making them a popular choice for budgeting and managing expenses. These cards are widely accepted at retailers and online, providing a convenient way to pay without carrying cash. Additionally, many debit cards come with features like fraud protection and rewards programs, enhancing their appeal as a secure and efficient payment method.