[RKDinOKC]

The Visa Debit card from my bank has the same lost or stolen coverage as a Credit Card.
I do not have any credit cards.

Set up 3 accounts, Savings, Bills, and Expenses. Bills and expenses each have a debit card.

The Bills account I use only for my recurring trusted automatic payments like gas and electricity, etc. Transfer a budget at the beginning of each month to cover those bills. Keep a small amount extra in the account to cover fluctuations in usage like gas or electric as it goes up and down with the seasons.

The Expenses account I use for all other purchases. Transfer money to that account based on that week's budget. If any money is spent that is not a part of my normal budget I transfer the money to this account just before making the purchase. Can transfer to it with my phone. Use it like a pre-paid card

The advantage is if my expenses card is lost or stolen I do not have to change the credit card info on my recurring trusted payments accounts. And since it is a debit card instead of a credit card, if stolen they can only get the amount actually in the account (a week's budget at most) and not a credit card's limit.