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B1 中级 英语 5:28 Educational

Who actually pays for your credit card rewards?

Vox · 1,902,487 次观看 · 添加于 3 周前

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00:02

This is Brian Kelly.

00:05

You’ll often find him traveling...

00:07

I’ve been to Ghana now ten times.

00:09

I got to visit Liberia.

00:10

Took my parents to South Africa.

00:13

I love flying Emirates first class — it’s gaudy, it’s gold.

00:15

You get caviar.

00:21

So Brian traveled to all these places basically for free. And he did it using credit card rewards.

00:27

Banks promise offers like cashback, bonus miles, and cash bonuses

00:32

to get you to sign up and spend.

00:34

And it’s rewards like these that people like Brian have become masters at maximizing.

00:39

Ultimately though, someone is paying for these credit card rewards.

00:44

And there's a hidden battle going on over their future.

00:52

During the Great Recession, some of the biggest US banks —

00:55

Wells Fargo, JP Morgan and Bank of America —

00:59

had a problem.

01:00

They weren’t making as much money from mortgages.

01:03

So they shifted their business to credit cards.

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