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Nope. They make the money for the rewards by charging merchants higher fees if you use a rewards card vs a non-rewards card.

My standard merchant fee rate might be 2.4%, but if you use a 'airline miles reward card' with me, I may end up having to pay 2.9% or 3.4% (or more). I can't not take your card - against Visa/MC terms of service - so I'm stuck paying for your 'rewards'.



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