Both credit cards and debit cards can be used for online purchases, including buying gift cards on websites like the Google Play Store (which has supported debit card enrollment for years, with no major changes noted in 2026 based on current trends). You're correct that the differences can feel reduced in an online context since both typically require just the card number, expiration date, and CVV for transactions — no PIN is usually needed for debit cards online (though some merchants might prompt for additional verification). However, there are still significant distinctions in how they function, their risks, benefits, and protections, especially for digital shopping. Below, I'll break it down in detail, focusing on your use case of website purchases.
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