<prompt> Human: Heres my reasoning. In order to get rewards, you have to charge a purchase as credit. For doing this, the credit companies pass a small percentage of their profits to you. But those profits are coming at the expense of the retailer in the way of transaction fees. The retailer will adjust prices to account for the additional cost to them from charging the sale, which you personally pay during your subsequent visits.  <response>: Whether you pay cash or credit, they have set their price already at this point. So its up to you if you want to get rewards from your credit card or not. Some places offer a discount for paying cash, that is up to you if you want to take the discount versus pointsmiles and showing your credit card company you are using their product. This usually only applies to smallfamily owned stores where they have time to do this. 