As an American, credit cards have been enshittified to the point of forcing me to use debit or cash. The best rewards credit cards have degraded into garbage and most restaurants and lots of stores have stopped eating the credit card fees and pass them to the customer. So instead of getting 5% back from credit card rewards, you’re getting 2-3% and you’re also paying that an extra fee when you use your card at establishments, so at best it’s usually a wash. There’s really no point anymore. It makes more sense than ever to pull your money from banks, put it in a local credit union and stop trying to game rewards credit cards from bigger banks.
As an American, credit cards have been enshittified to the point of forcing me to use debit or cash. The best rewards credit cards have degraded into garbage and most restaurants and lots of stores have stopped eating the credit card fees and pass them to the customer. So instead of getting 5% back from credit card rewards, you’re getting 2-3% and you’re also paying that an extra fee when you use your card at establishments, so at best it’s usually a wash. There’s really no point anymore. It makes more sense than ever to pull your money from banks, put it in a local credit union and stop trying to game rewards credit cards from bigger banks.