We make money by charging a small percentage to merchants on every transaction. We pay for your bills with our own cards and so we collect something called interchange (some more information on interchange fees can be found here for those who wish to learn some more). 

This is the same way all your bank and credit cards make money. Another way to think about it is we make points back on every transaction made from using our cards to pay for your providers. The total transaction price remains the same.

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