That's the number I came up with after doing some calculations too. 1% VISA 2% Bank charges Whenever possible, I try to avoid using the cards. All those promo

That's the number I came up with after doing some calculations too. 1% VISA 2% Bank charges Whenever possible, I try to avoid using the cards. All those promotion gimmicks they give to people to sign up for the cards, and all the spend-this-get-this-gift are all cheaper than the fees. Go figure.