1.   Along with credit cards, debit cards now offer a relatively new way to pay for goods and services.

2.   Bank platinum cards offer gold card services such as auto rental insurance, lowest-price guarantee and purchase protection.

3.   But debit cards typically offer students and other consumers much less protection against fraud or disputed charges than credit cards do.

4.   For example, the Discover card already offers a savings account.

5.   For many, debit cards offer the convenience of credit cards without the temptation of racking up more high-interest debt.

6.   Get-Smart will tell you whether a card offers airline miles or cash back, but almost no details of how those rebate programs work.

7.   It also makes sense to calculate your annual interest payments and compare them to what other cards are offering.

8.   Like airline-linked frequent flyer cards, the Greyhound card will offer users free travel awards based on how much they charge.

9.   One card offered psychic readings, and another dirty talk.

10.   Some Citibank cards offer points good for Sony products, and others offer points toward the lease or purchase of cars.