So, I'm debating switching to a debit card for daily purchases, since the mental accounting gets confusing with a credit card and it's easier to overspend. The only thing holding me back is the fraud protection that comes with a credit card. Are there any (US) checking accounts/debit cards that match the level of protection you can expect from a credit card? Is such a thing possible?

To start: I was taught in the 90s when I first entered the "internet" that "everything online is public. The End."
I still adhere to that. I am perhaps a bit overly cautious and whatnot, as I will forego convenience to have the feeling of privacy (though in some cases I believe it's just a smokescreen).

That being said, the main premise to my question is this: I have three cards with which I pay for things. I have a debit card which I use for most purchases, a credit card I use for large purchases I can't immediately cover with my bank account, and a credit card for two specific payments. Every December my company gifts all employees a $100 Visa gift card. I tend to splurge on things I'd rather not have show up in my bank account or credit card, because I feel my purchase habits are tracked (similar as to when I put in a local brewery into Waze... and yeah, I use Waze.)

And now to my actual question: is there a credit company, or a method of credit/debit card I can utilize that will not track/share/etc my personal or purchase info? I had never thought of this idea, aside from the gift cards which usually come with some form of caveat (you lose money on fees for a prepaid card, or you can lose your balance if not spent in a certain time frame, etc) until just now I guess. I found privacy.com which looks kind of legit, but ... I'm always skeptical to start.

All that being said, if you could offer any advice or thoughts on the matter, I would greatly appreciate it. Thanks!

(Edit: the original reason I ask this is because I was thinking that I use Discord a lot and would like to throw a few bucks their way and customize my profile or something "fun" like that, but I do not want them to have my info.)

Maybe everyone knows this, but I suspect not. For years, I've been using the points I earn on a Chase Freedom card directly on Amazon. I just found out today that I'm only getting 80% of the value. Redeeming 26,345 points at Amazon yields $210.76. Redeeming 26,345 points on the Chase website (for an Amazon gift card) yields $263.45.

The Chase Amazon Prime Visa does give 100% of value directly on Amazon's site.

I've had the same secured credit card through my bank for years; I only use it for car rentals and when my debit card gets declined on international online purchases. It's very easy to maintain as there are no fees and I always pay off the balance within the week; however, there are also no rewards. I know that a lot of credit cards out there have cashback rewards, and it seems like kind of a waste not to take advantage of that. But there are so many different ones that it's horribly overwhelming for me to try to research which one(s) might be a good choice. Costco has one which would have probably been an easy choice if I were able to spend more money there, but as of currently I have very little space and only hold a membership for gas.

So, do any of you lovely folks have recommendations to give me a starting point for what to look into? What cards have you used and been happy with?

ETA: I am in the US!

I used to rely on PayPal heavily for eBay purchases and the odd purchase outside of eBay. But it seems now eBay allows you to use a credit card directly on the site, and most other online stores if they accept PayPal payments, they also accept credit cards directly. Maybe its safe to say I can delete my PayPal account and not look back? It seems like an unnecessary middle man.