> This doesn't mention that Visa rewards are subsidized by a ~1-3% fee that is payed by the vendor, and paints the picture that somehow Visa is away something for nothing. [1]

The fees start at 3% for the formerly local bank network, and to up to 5% for the bank that has the AMEX exclusive agreement in El Salvador

> don't forget the 19.99% or higher interest paid by users of visa cards who cant or forget to make payments.

And up to 39.99% APY for introductory credit cards in El Salvador.