1. The interests of American credit card issuing banks and credit card organizations (master/visa/americanexpress), especially Americanexpress, can get 3-5% of the consumption amount from merchants for each consumption, and more benefits can be transferred to consumers.
2. Credit card points actually have no cost: hotels and miles are inventory costs for airlines and hotels. For idle time, this inventory cost is very low, and it is the most ideal cooperation as an integral.