I’m not American but I got one with my bank account a few years back and I do use it a lot. It makes online payments super convenient. And with offline shopping it’s the vendors that eat the fee, so also no downside for the consumer (though I tend to use the debit card for that).
2-3% is insane. It boggles my mind how it became accepted to pay almost everything with a credit card in america.
I’m not American but I got one with my bank account a few years back and I do use it a lot. It makes online payments super convenient. And with offline shopping it’s the vendors that eat the fee, so also no downside for the consumer (though I tend to use the debit card for that).