<prompt> Human: I have 100 on time payments and never carry a balance. Ever. I have accepted several credit card offers to entice me with rewards, still do not carry a balance with them and make all payments in full. I get better credit card offers for airline miles, cash back, hotel stays, etc. My question is why? Im not complaining at all believe me lol, I am just curious; what do the credit card companies gain from this? Why would they want to reward someone who theyll never make money off of through interest and fees? Additionally, you have to have excellent credit to gain exclusive travel rewards and cash back. I know its predatory, but from the companys perspective, wouldnt you entice people with rewards who have bad credit since you as the card company will stand to gain a profit off of them? Might be a stupid question, but it just doesnt make sense to me. Glad it is working in my favor though!  <response>: Why would they want to reward someone who theyll never make money off of through interest and fees?There is one fee youre forgetting about: The fee charged to merchants for taking your card. 