Well, in the US, you can get capital one's 1.5% cash back credit card with no annual fee, and citi has a 2% card. That's basically free money for substituting

Well, in the US, you can get capital one's 1.5% cash back credit card with no annual fee, and citi has a 2% card. That's basically free money for substituting that for your debit card and spending what you were going to spend anyway. Amex has a card that gives you 6% back on groceries on the first 6k with a (iirc) $95 fee; that's a solid win for most people with families and even couples that pay bay area grocery prices. The cash comes out of some admixture of the people still using their debit cards, idiots who borrow money from the credit card companies at 20% annually, and the card companies merchant fees.