[driftdiver]

“in the past two or three of those decades, I have not paid a penny in interest.”

so why would they want you as a customer?

[jenbean]

Because, somebody is making around 3% from the merchant, every time a card is used.

[Graybeard58]

so why would they want you as a customer?

Because I average charging $2,000 or more per month and they make about 3% on that from merchants fees.

I get 2,000 or so points every month accumulated.