I am not planning on using the credit card because I don't want to pay the fee. But the low flat fee for debit card payment seems to offer an opportunity to ear some points/miles with very little cost. I owe about $18,000 income tax, and $8000 property tax for the year. I could use my Suntrust debit card to earn some Delta miles. What other option do I have that offer better earning potential? Thanks.