Different cards have different business models. For example, high end premium credit cards (think Amex Platinum, Chase Sapphire Reserve, Citi Prestige, etc.) te

Different cards have different business models. For example, high end premium credit cards (think Amex Platinum, Chase Sapphire Reserve, Citi Prestige, etc.) tend to make most of their money from betting that cardholders won't make back more than they pay annually in annual fees (which is possible considering the annual fees on high end premium cards can easily exceed $500).