ExplanThe first step in learning about points and miles is to talk about points and miles — and know why using your debit card has no point . . . pun intended. By using a debit card, you’re spending money and not getting anything back in return. When you use a credit card every time you pay for food, clothing, groceries, toiletries — you name it — you’re earning points and miles that you could put toward your next vacation, along with valuable benefits like purchase protection and trip delay or cancellation insurance. And wouldn’t you rather know that all the money you spend is like an investment in your next trip?ation: