<prompt> Human: Id be getting twice the reward points and many more benefits. They also said that the merchants I use the card with will likely be charged a slightly higher transaction fee than my current card.. Is this their end-game? They get this card into a consumers hand so that they can turn around and charge stores a higher as a rule?Apart from that, nothing changes. Im not paying for my credit card now, and I wont be paying anything for the upgrade. What gives? Why do they take the time to have someone call me offering the new card? I havent expressed dissatisfaction with the current card.  <response>: Honestly they probably dont want to lose you. See all those commercials for cash back cards? So do they. Giving you better rewards, but retaining your business makes them more money than the zero they make if you get another credit card. 