For the 2011 Debit Card Rewards Survey, Bankrate surveyed the five largest banks and thrifts in 10 key U.S. markets, plus the five largest credit unions.

To see the details of each debit card, click on the name of the program.

Debit card rewards program
Issuer and name of program Rewards formula Annual fee
Bank of America

Alaska Airlines Debit Card

1 mile for every $2 in purchases/1 mile for every $1 in Alaska Airlines or Horizon Air flights and vacation package purchases. $30
Bank of America

US Airways Debit Card

1 mile for every $2 in purchases/1 mile for every $1 in US Airways purchases. $30
BBVA Compass

CompassPoints Rewards Program

One point for every $4 in purchases. $0
Beneficial Bank

BankThanks

One point for every $2 in purchases. $0
BestBank (a division of Guaranty Bank)

Easy Cash Rewards

Up to 20 percent cash back — see notes. $0
Branch Banking and Trust Company

BB&T Cash Rewards

Up to 25 percent cash back on purchases. $0
Citizens Bank of Massachusetts

Green$ense Debit Card

10 cents each time debit card is used. (Online bill payments, credit and PIN-based transactions, and ATM transactions would all be eligible to receive 10 cents.) $0
Citizens Bank of Pennsylvania

Green$ense Debit Card

10 cents each time debit card is used. (Online bill payments, credit and PIN-based transactions, and ATM transactions would all be eligible to receive 10 cents.) $0
Colonial Savings

Cash-In Account

Up to 20 percent in savings for online purchases. $120 if criteria not met (see notes)
Danversbank

Points2U

One point for every $2 in eligible purchases. $0
Fifth Third Bank

World Debit MasterCard

One point for every $2 spent $47.40
First Place Bank

Prewards

Varies — based on merchant. $0
Fullerton Community Bank, FSB

UChoose Rewards Program

You earn one point for every $2 you spend when you sign for your purchase. $0
Harris National Association

One point for every $2 you spend by signing for credit transactions.

$0

PNC Bank, NA

PNC Points

Two points for every $1 in purchases for gas, grocery and drugstore AND one point for every $1 for all other purchases. $0
Queens County Savings Bank

Even>More Rewards

25 points for each signature-based transaction of $20 or more OR 10 points for each PIN transaction of $20 or more. $0
Rockland Trust Company

Free Eco Checking

10 cents per debit card transaction. (PIN or signature-based both qualify). $0
Salem Five

Cash Back Debit Rewards

1 cent for every $2. $0
Security Service FCU

Security Service Rewards Debit Card

One point for every $2 in purchases. $18

(see notes)

Sovereign Bank

Sovereign Cash Rewards

Varies depending on the store or website in which purchases are made. $0
Suncoast Schools FCU

ScoreCard Rewards

One point for every $3 in purchases. $0
SunTrust Bank

Delta SkyMiles Classic Check Card

Earn 1 mile for every $2 spent on all signature-based purchases. Earn double miles on all direct Delta purchases. $20
SunTrust Bank

Delta SkyMiles World Check Card

Earn 1 mile for every $1 spent on signature-based purchases. Earn double miles on all direct Delta purchases. $55
TD Bank, NA

Visa Extras

One point for every $1 in purchases. $0
The Golden 1 CU

Rainbow Rewards

Varies — see notes. $0
Union Bank, NA

MasterCard MarketPlace

N/A $0
ViewPoint Bank

Purchase Rewards

Varies — based on merchant. $0

Bankrate.com surveyed the largest banks and thrifts in the top five markets in the country plus the top five credit unions to find out what debit card rewards programs are available and how they work. The survey was taken from Aug. 22 to Sept. 9, 2011.

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