Booking a hotel room with a debit card instead of a credit card can have a few potential downsides. First, you’re missing out on the opportunity to earn credit card points and rewards. Second, since a debit card takes money directly from your bank account, it’s much more difficult to get a refund (and credit cards offer fraud protection while many debit cards do not). And third, the incidental deposit can put hundreds of dollars on hold — which isn’t a big deal with a credit card, but can deplete your bank account if you use a debit card.