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Credit Card cash back is a scam. US credit card merchant fees are around 2.7%, more than 9 times higher than they are in Europe. This is a just a hidden tax on the economy that everyone pays, even cash buyers.
The alternative is credit card buyers get hit with an added service charge from the merchants, and I am seeing that happen with lots of small restaurants. Welcome back to the days of paying cash, unless you’re rich.
Credit card points pay for my Christmas presents every year
pass
Trust Elon Musk with my money? Hard pass.