But this is such a weird way to think about it. Credit cards don't cost anything. In some vague grandiose sense prices are slightly higher since credit cards exists and merchants want to cover their fees but my perspective as a customer spending via a credit card is basically free money. There's no dog and pony show except buying things like I normally would.
* I get literal cash through their rewards program which just slowly accumulates without me having to think about it.
* I get all the nice protections and can do chargebacks.
* The money I spend every month stays in my bank account until just after the bank calculates and cuts my interest check. Like it's super negligible but hey, if I'm getting an interest free loan anyway.
2% cash back from the card + 0.25% interest from the bank ain't nothing.
