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Sorry if this is a dumb question. I currently drive a hybrid and am looking to upgrade in the next 1- 2 years to either PHEV or full EV. In either scenario, I envision most of my charging will be done at home. However, if I go full EV, I will eventually need to charge in public.

I've read it varies from charging network to charging network, so I figure I'd ask EV owners what their experiences are like. I really don't like the idea of relying on an app or monthly subscription or anything like that.

So, is a debit card more or less guaranteed to be accepted, and if so, are the rates significantly higher than some kind of membership option?

Edit: In the US if it matters.