Businesses these days are just rolling those CC fees into their prices so that so called cash back rewards is basically a partial refund from the fees you've already paid. I love how all these rewards programs are out there suggesting you can make all this money on them. Um NO it's simply a gimmick that people fall for and usually those that can least afford it. It's just encouraging people to spend more in the hopes they get a larger check back and in exchange driving up consumer debt and those nasty CC APR charges for carrying a balance which the backers of said cards are banking on. Even if you are paying off your CC every month, I guarantee you it's still costing you something for every swipe.
The best credit card "rewards" program is to actually invest in the their stocks which pay a nice dividend and at least Visa and MasterCard stocks have been doing quite well lately. Combine that plus your individual card "rewards" minus cap gains and dividend taxes you may just make a little something.
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