Which card allows users to purchase items now and pay for them later?

The option that allows users to purchase items now and pay for them later is a credit card. When you use a credit card, you are essentially borrowing money from the credit card issuer up to a certain limit. This means that you can buy items immediately without having the cash on hand at that moment. The expectation is that you will repay the borrowed amount later, usually within a billing cycle. This flexibility can be convenient for managing expenses, allowing users to make larger purchases and pay for them over time, often with the option to pay off the balance in full or over time with interest.

In contrast, a debit card pulls funds directly from your bank account, requiring you to have the money available at the time of purchase. A prepaid card, while it can be used for purchases like a debit card, only allows spending the amount that has already been loaded onto it. Lastly, a loyalty card is not a payment method but rather a tool used by businesses to reward customers with points or discounts, which does not involve borrowing money to facilitate purchases.