fair point on the debit lowering the effective "tax". I'll point to my edit and restate that its better for you, because you're well-off enough to get a 2%-bac

fair point on the debit lowering the effective "tax". I'll point to my edit and restate that its better for you, because you're well-off enough to get a 2%-back card. I'm guessing that the average across all cards/americans is much lower than 2%. (i'm an immigrant to the US, and for the first few years all you can get is the crappy starter cards available to people with poor/no credit, that have no benefits. These days, im in your boat - i qualify for the fancier cards so im essentially making money of the back of everyone that doesnt. So i would be worse off too, but i think thats fine)