i’ll add an extra to this on the cashback etc

credit card companies charge stores processing fees, and then give consumers cash backs to encourage them to spend using their cards

stores add credit card processing into their cost of doing business… you’re charged that in the cost of things you purchase

if you pay with a credit card, you get some of that back. if you don’t pay with a credit card, you’re still charged the fees - you just don’t get any of the benefits