A debit card allows a person to do which of the following?

A debit card allows a person to pay for purchases directly from a checking or savings account, which is why the chosen answer is accurate. When a debit card is used, the funds are immediately withdrawn from the linked bank account, thereby facilitating a direct transaction. This means that users can only spend the money that they actually have in their accounts, promoting responsible budgeting and preventing debt accumulation.

The other options involve financial products or services that are not associated with the functionality of a debit card. Borrowing money from the bank, for example, typically involves credit products such as loans or credit cards, where repayment is required. Earning travel rewards is a feature commonly found with credit cards rather than debit cards, which generally do not offer rewards programs associated with purchases. Lastly, opening a line of credit refers to a type of borrowing that debit cards do not provide, as they do not operate on credit but rather on available funds in the user's account.