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American Express rewards checking debit card acceptance

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HankH
New Member

American Express rewards checking debit card acceptance

Just as a curiosity, I have multiple Amex cards and as many of us have ran into occasions where Amex CC's aren't accepted. 
In such instances, would the rewards checking debit card not be accepted either? I know debit transactions are processed differently but wasn't sure if that would have an effect on the debit card's acceptance with it still being an Amex.

 

Ive considered opening their checking account but have been hesitant to not knowing this.

 

Message 1 of 3
2 REPLIES 2
Mdowning30
Established Contributor

Re: American Express rewards checking debit card acceptance

Check out my thread on this, i actually got approved for the Checking account and paid down my Amex CS CC so im wondering how much MR points i will get. I should be getting the Debit card by next week.

Chase Freedom Unlimited : $2000 | Discover It Chrome : $2700 | AmEx CS Investor : $6000 | Chase Sapphire Preferred : $2000 | Chase Amazon Prime : $600 | AmEx Hilton Surpass : $1000 | AmEx Business Plus : $2000 | AmEx Platinum CS : POT $2800 | Tower Federal CU : $15,000 | Lowes Commercial Account : $1,000 | WF Bilt Mastercard : $4,000 | Shell Fleet Plus : $1,000 | Truist Future Card : $6000 | USBank Smartly Card : $500 |
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Message 2 of 3
northway
Frequent Contributor

Re: American Express rewards checking debit card acceptance

There's absolutely no difference. If a merchant doesn't accept cards on the American Express network, it doesn't matter if it's credit or debit, it won't be accepted. Now there's also a difference between "policy" and actual acceptance. There are few merchants that don't actually accept Amex, but just don't want to due to the increased interchange fee rate.

Personal Cards:
Message 3 of 3
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