Yeah, I use Costco's "Citi Visa" card for exactly that reason. I'd still be charged the %, and at least this way I get the most useful thing /for me/ back as a reward.

That's the why I want a system that completely bypasses the insanity that are current credit/debit cards and goes directly to a modern approach (but isn't some blockchain, kill the planet with mining power, fad).

> I know this functionally means everything is x% more expensive

Exactly! I hate all rewards systems because they wouldn't be offering it if it weren't a scam. If you don't know who the fish is, it's you.

The "scam" is on everyone who doesn't have a rewards card. The increased interchange fees are shared by everyone, with reward card users reaping the benefit.

I wonder which card gives you this benefit?

citi double cash back or something like that