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Rewards cards promise a lot: cash back on groceries, points on travel, bonus categories that rotate every quarter like a game show wheel. The pitch is seductive because it frames spending as earning. But here is the uncomfortable math most rewards guides skip over — if a card nudges you into buying things you would not have bought otherwise, the two percent you earn back is dwarfed by the ninety-eight percent you just spent. The people who genuinely profit from rewards programs are the ones who …
続きを読む>>Maximizing Card Rewards Without Overspending: A Realistic Guide
