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Re:Anatomy of a credit card rewards program by chrisfinazzo on Monday April 08, 2024 @10:18AM (#39969973)
Consider the following...

If you conceptualize it as "Annual fee minus reward credits" it's far more reasonable than that. For example, Amex Platinum is $695/year, but the Walmart+ and Digital Entertainment credits are $395 combined. Compared to the next highest card in Amex's line - Gold @ $250 - this makes more sense that you might originally think.

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