<prompt> Human: I currently have 2 credit cards, but neither give me any decent rewards for using. I have no debt and every time I used my credit card, I pay off the full amount every month and never pay any interest.If I use an Amex card, get their rewards but dont pay anything in interest, what is their incentive to give me a card?I hope this makes sense - if not ill try to be clearer !  <response>: Merchant fees. 