<prompt> Human: Hey there, first time poster on this subreddit. I currently have a Chase Rewards card and a Fidelity Rewards AMEX card. Each provides rewards one is for travel, one adds money into my IRA. What is stopping me from buying goodsservices on my AMEX, paying it off with chase to accrue points, then pay off chase with AMEX over and over until I pay off the whole debt from my bank account?  <response>: well, for starters, most cards have a surcharge of anywhere from 5 to 30 buck if you make your payment using another card...also, they limit what you earn rewards for. paying off another card is not a purchase that will typically earn rewards. 