> No, you aren't making it more costly for the bank. I sure am; almost all of my spending earns a rewards percentage that exceeds the rate charged to the merch

> No, you aren't making it more costly for the bank. I sure am; almost all of my spending earns a rewards percentage that exceeds the rate charged to the merchant. (This is not even counting the significant sign-up bonuses.) Anyone (with good credit) can do the same with a modest amount of research.