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www.vox.com/the-goods/22454885/who-pays-for-credit-card-rewards

Prices go up for everyone

“merchants don’t want to pay those (transaction) fees out of their own pockets — so they pass some of them on in prices that everybody pays, not just the credit card holders.”

“The guy paying in cash at the local hardware store probably doesn’t realize the $20 purchase he’s making is partially subsidizing the next vacation of the guy who paid with a rewards card before him.”

“To put it plainly, it’s expensive to be poor in America. And when it comes to rewards cards, it’s expensive to the benefit of the rich.”