What type of access does a debit card provide to the cardholder?

A debit card primarily provides access to the cardholder's bank account, allowing them to withdraw funds and make purchases directly using the money available in that account. When a debit card is used, the transaction amount is deducted immediately from the linked bank account, reflecting real-time access to one's own funds rather than borrowing against a credit line or accessing a loan.

This direct link to the bank account distinguishes debit cards from credit cards, which allow users to borrow money up to a certain limit for purchases. Additionally, debit cards do not offer access to loans for business expenses or reward programs in the same way credit cards might, though some debit cards may have specific incentive programs. Therefore, option B accurately encapsulates the primary feature of a debit card, which is to facilitate direct access to the cardholder's own funds for everyday transactions.