For those people who don't "make mistakes", the card issuers are still earning: • part of the 2-3% added to every charge • fees from promotional marketing, gu

For those people who don't "make mistakes", the card issuers are still earning: • part of the 2-3% added to every charge • fees from promotional marketing, guided by the info in your purchase history, to those customers • fees from related services the same customers may purchase from the same bank Even when the high rewards cards marketed to conscientious low-credit-risk customers send back some of that 1-3% as "miles" or "points" or "cash back", the other information/marketing values about high-spending, reliable-paying customers remain interesting.