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For every checking account I've had in the US, I've been given a debit card with a MasterCard/Visa logo on it, which can be used as credit or debit. Both methods deduct money from the same checking account, so using it as a credit card isn't really using credit, although it does come with credit card fraud protection when using it online.

I always pick credit at the terminal because it's faster and more secure than entering my PIN at some random POS, although the merchant then has to pay a credit card fee on that transaction.

But to answer your question: yes, lots of people pay for coffee with actual credit cards. Some like the budgeting, some like the rewards/cashback that come with many credit cards, and some people are just bad with their money.



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