Debit card (bank card) transactions in the US require a PIN. Credit cards require a signature but most gas stations require a zip code.

It would be nice if the US had PINs like Europe does for credit cards.

I make around $1500-$2000 a year in cash back from my credit cards and $195 in fees. 6% back for groceries, 3% for gas, 3% on online shopping, and 3% for restaurants. All my household utilities and bills are run through my Delta card to collect miles and a $200 yearly voucher.