We're not rich, but we are maximally financially solid and stable. I mean, I drive a 2001 truck I bought new, for cash. Better half drives a newish base Prius.

We're not rich, but we are maximally financially solid and stable. I mean, I drive a 2001 truck I bought new, for cash. Better half drives a newish base Prius. House is not fancy. How on earth can it make sense for us to get issued two $95/year CCs, as happened this year. I can use the 20% AirBnB bonus to cash in $1200, each card, as happened once. We're waiting on passports for the second. Edit: I've also cashed in points for 12 transatlantic flights over the last 15 years, on other CCs. We haven't missed a CC payment in decades. I can cancel at any time. We don't have that many accounts to switch, might take an hour. We're puzzled. But ok, we do it. Edit2: Ok, after reading more comments, the profit from us would seem to come out of spend. Some more details then. We make net slightly less than 6 figures, and save 50% of that for retirement. House payment is $800, and nearly done. Travel is our vice, but we do eg a week in Paris for maybe $1500, and we do everything we want to. A big chunk of that is AirBnB, and... the CC typically pays that. I'm not denying that the super solid big spenders aren't super profitable for the issuers. I am puzzled why we get issued the cards. I mean, 2 cards from the same vendor just splits the pie between the two accounts, and increases the spend zero.