'Rewards' are paid for in merchant's fees, which are in turn paid for by all consumers (even those who don't use credit cards). This is why non-credit customer

'Rewards' are paid for in merchant's fees, which are in turn paid for by all consumers (even those who don't use credit cards). This is why non-credit customers should prefer businesses which have credit card surcharges: it's like getting the 'rewards' at checkout.