Hmm… if I were irresponsible I would think of my new $700 laptop PC as being free with this year’s Bank of America cash rewards money.
Congratulations! Your rewards are on the way.
Amount: $713.60
I’ll do the responsible thing and think of the money as going towards the $777 heating oil bill.
My cash rewards money is courtesy of everybody else’s bank fees.
The Dirty Little Secret of Credit Card Rewards Programs
https://www.nytimes.com/2023/03/04/opinion/credit-card-rewards-points-poor-interchange-fees.html