The Rewards Trap
The $200 Profit
That Costs $2,000
Credit card companies spend $10B+ a year marketing "rewards." We break down why chasing points while carrying a balance is the most expensive way to shop.
The Rewards Illusion
Chasing 2% cash back while paying 24% interest is a losing game. For every $100 you spend to earn $2 in rewards, you might be paying $20 in annual interest on that same $100 if you don't pay it off immediately.
Interest Always Wins
No rewards program can outpace credit card interest. If you carry a balance, you aren't gaming the system. The system is gaming you. The fastest way to "earn" money is to stop paying interest.