Cash back. Gift cards. Travel discounts. The perks of using your debit card had seemed endless. Now, your card's ability to earn points for your everyday spending is shrinking fast.

As institutions around the country notify account holders that using their debit cards will no longer deliver any kind of payoff, account holders are struggling to cope with a new era of less rewarding money management.

If your debit card rewards program already has fallen victim to recent industry changes in rules governing banking, consider these five strategies for moving forward.