Yeah, I use Costco's "Citi Visa" card for exactly that reason. I'd still be charged the %, and at least this way I get the most useful thing /for me/ back as a

Yeah, I use Costco's "Citi Visa" card for exactly that reason. I'd still be charged the %, and at least this way I get the most useful thing /for me/ back as a reward. That's the why I want a system that completely bypasses the insanity that are current credit/debit cards and goes directly to a modern approach (but isn't some blockchain, kill the planet with mining power, fad).