NBC Says Credit Card Perks Hurt Cash Shoppers | What They Missed About Rewards, Swipe Fees & Cash Justin Vacula of the Hurdy Gurdy Travel Podcast responds to an NBC News article titled “How High-End Credit Card Perks Are Hurting Shoppers Who Pay in Cash.”
Original article:
https://www.nbcnews.com/business/consumer/credit-card-perks-hurt-shoppers-pay-cash-debit-rcna346905
The article frames credit card rewards as a wealth transfer tied to economic inequality, but Justin argues the story misses several major points about credit cards, cash, small businesses, and responsible rewards strategy.
In this solo episode, Justin challenges two central claims from the article: that merchant swipe fees disproportionately hurt low-income and middle-income Americans, and that credit card processing fees unfairly damage small businesses.
He argues that the article ignores the real costs and risks of cash, including labor, theft, slower checkout lines, accounting errors, trips to the bank for deposits, and security concerns. Justin also explains why many businesses accept credit cards despite processing fees, including increased sales, easier recordkeeping, faster transactions, and greater customer convenience.
He argues that responsible credit card use should not be treated as something shameful, especially when cash back, grocery rewards, gas savings, purchase protections, travel points, and sign-up bonuses can help regular people save money.
The episode also covers why debit cards often offer fewer protections than credit cards, how rewards go beyond luxury travel, and why practical education about building credit, earning rewards, and using points and miles responsibly would be more helpful than guilt-driven articles about credit card perks.
Timestamps
00:00 Intro Theme Song
00:32 Episode Setup And NBC Critique
02:20 Host Story And Why Rewards Help
03:58 Swipe Fees Explained
04:56 Hidden Costs Of Cash
06:44 Why Businesses Take Cards
07:56 No Guilt Using Rewards
10:24 Saving On Groceries And Gas
12:08 Rewards Beyond Luxury Travel
13:31 Protections And Lifestyle Credits
17:47 Break And Announcements
19:49 Get Started With Points
23:46 Level Up With More Cards
26:02 Wrap Up And Where To Follow
27:00 Outro Theme Song
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Rough Transcript:
Travel at low cost with points and miles. Credit card rewards bring the smiles. Many adventures, tales to be told. Make and save money, the world will unfold
Fight the war on happiness, pick up the gold. Hurdy Gurdy Travel Podcast breaks the mold
You’re listening to the Hurdy Gurdy Travel Podcast. I’m your host, Justin Vacula, here to help you make money, save money, and travel the world at low cost with credit card points, miles, benefits, and loyalty programs. Today’s episode is a solo episode, a response to yet another criticism of credit card rewards, this time an NBC News article titled How High-End Credit Card Perks Are Hurting Shoppers Who Pay in [00:01:00] Cash.
This article they write is part of their Unaffordable America series examining what they call rising economic inequality in the US and the politics that drive it. I tackle two claims in the article, one, that credit card merchant fees disproportionately hurt lower and middle income Americans, and two, that credit card or merchant processing fees hurt small businesses.
I argue that low and middle income Americans can win with credit card rewards. It’s not just, as they say, a, quote, “wealth transfer to higher income Americans,” unquote. I also explain that businesses can benefit from accepting credit cards and why there are many reasons why accepting cash leads to problems like accounting confusion, theft, and time spent processing cash.
On with today’s episode, recorded June 2nd, 2026. I’ve responded to criticism of credit cards from, of course, Dave Ramsey, one from The Wall Street Journal, [00:02:00] and now NBC News not only misses the point, but misses the points and miles. The war on happiness continues from credit card critics. Oddly, NBC News turned a story about the mechanics of credit card rewards and merchant fees into a story about a class struggle, what they call economic inequality.
I’ve been very active with points and miles since twenty eighteen, taking many trips I otherwise never would’ve paid for. Places like Hawaii, recently Calala Island. I went to the Dominican Republic, Poland, London, Italy, so many places, and all of these were made possible at very low cost, thanks to credit card points, miles, benefits, statuses, promotions, and much more.
Some of these things you don’t even hear about in the NBC article. I don’t consider myself a high-income, wealthy American, and I certainly wasn’t raised in a rich household, as my mom mostly stayed at home and worked some part-time jobs while my father worked manual labor in a wire rope [00:03:00] factory. It was only later in life, during success at poker, another pursuit that allows almost anyone in, I found miles and points, and it’s been a huge benefit to my life, allowing for luxury travel without the high cost and a lot of smaller benefits as well.
Credit card rewards, alongside poker, I view these as egalitarian pursuits. Almost anyone can get involved as long as they have financial discipline and some smarts. A lot of information, it’s very easy to get in now, easier than ever to get educated from many miles and points blogs, podcasts, YouTube channels, groups, and much more.
Thanks for listening here as you’re getting entertained and educated hopefully. But yet, NBC News wants to frame credit card rewards as something hurting lower income people, and there’s no mention of how to get started with miles and points, optimizing points in this article. There’s no empowerment or education, but only lamentation.
It’s the other side of the Dave Ramsey coin. Let’s get into the [00:04:00] article. NBC News explains, credit card swipe fees are paid by merchants. Merchants can raise prices to cover the fees, and everyone pays the same price in many cases, whether they use cash, debit, or a premium rewards credit card. Rewards users get points, cash back, lounge access, travel perks, and many other benefits, while cash and debit users do not, debit users almost never earning rewards.
They cite a Harvard study estimating a $30 billion yearly transfer from cash and debit users to credit card users. They also emphasize that lower and middle income shoppers are more likely to use cash, with premium card users being higher income individuals. It sounds compelling at first, but it treats payment processing as if it’s one-sided.
Justin: It’s only costs, and only one side gets benefits, the credit card companies. But that’s where the article is incomplete . I see many negatives of businesses accepting cash [00:05:00] or dealing with a lot of cash. Now, businesses would be wise to accept some cash and not go credit only. I have seen that at some places.
But here are some negatives of cash I don’t believe the article mentioned at all. Cash requires paid labor to count drawers, make change, reconcile registers, prepare deposits, and investigate shortages. There’s also theft risk. Managers, customers, robbers, all because physical money can disappear without a trail.
Cash also slows down checkout lines because customers and employees have to count bills, coins, and create change. Cash creates accounting errors because registers have to be manually reconciled against sales. Cash has deposit, transport, and security costs. Bank trips, safe, armored pickup, insurance procedures, training, and much more.
Credit can increase sales because customers are not limited to the cash in their wallets. They can buy online, they can pre-order, subscribe, or pay remotely. Credit can also reduce fraud and customer service friction by [00:06:00] creating automatic transaction records. You’re not getting fake hundred dollar bills, for example, when people are using credit.
There’s authorization trails, dispute processes as well. Credit also makes accounting cleaner by providing timestamps, settlement records, sales data, and a clearer audit trail. The article focuses on credit card fees as if cash is frictionless and cost-free, but cash is not free for many businesses. It has its own costs, and those costs are just less visible than payment processing statements with credit cards.
There’s no way to escape cost. Merchants might have to pay a fee to accept credit, but there’s certainly a cost with taking lots of cash and then missing out on transactions. There’s a question raised by the article: why do businesses accept credit if the fees are so bad? Businesses accept cards partially because customers want to use them.
A business that refuses credit cards can lose sales, especially for larger purchases, travel, dining, [00:07:00] online sales, delivery apps, subscriptions, hotels, car rentals, and higher ticket transactions. I suppose gone are the days, or at least they’re very limited, that you would place an order for pizza, the driver comes, and then you pay in cash when you could just use the Domino’s app and pay ahead of time.
That’s just one example. And hotels, they want you to use a card for the incidental and then pay for the hotel if you’re paying the cash rate or the rack rate. There are many businesses that like this credit acceptance. Credit cards also make transactions easier, and they allow for online commerce. They offer instant authorization, and they reduce the I don’t have enough cash on me moments This also reduces the need for cash drawers and end-of-day cash balances.
If credit cards were nothing but a burden, as the article seems to argue or imply, businesses would be racing to go cash only. Some do, but many don’t, because accepting cards can increase revenue [00:08:00] and reduce other headaches Next, NBC’s economic inequality angle can imply that people using reward cards are somehow extracting value from poorer shoppers and the system is predatory.
But in reality, most credit card users are simply playing by the rules of the system. The prices already exist. The payment options already exist. Why would we not take advantage of that? If someone can use a credit card responsibly, pay balances in full, avoid interest, and earn cash back or travel rewards, that’s a rational financial move I also highly doubt that if I paid in cash or others did, that merchants would give discounts even if they went to cash only.
Sometimes I see that at gas stations, oh, here’s a cash rate, here’s a credit rate, but almost nowhere else. So why not optimize and use a credit card that’s bonusing grocery spend, bonusing gas spend? Maybe you’re working on a big welcome offer. I didn’t see any mention of that in the article. Again, it’s a lot of lamentation and [00:09:00] not education.
I also don’t think that customers should be guilted or feel guilty for using the best legal payment method available to them, which happens to be the credit card in most cases. If a store charges the same price for cash and credit, and one payment method gives me rewards while another usually gives me nothing America loves math.
I’m going to use the most rewarding option and not have to deal with physical cash and change. Sadly, again, NBC is not empowering people, at least in this article, with information about how to benefit from the system. It’s a class warfare angle instead. Could we get some education about here are some good credit cards that you could start with?
Here’s how to build your credit. Here’s how to have better credit scores. And talk about transferable currencies that, look, you can earn Chase Ultimate Rewards, Amex Membership Rewards, and these can allow you to get international flights, and you’re getting really good cent per point, but we’re not seeing that at all.
It’s similar to the Ramsey take where Dave Ramsey talks about, ” you have to spend a hundred thousand dollars on Discover to earn [00:10:00] a thousand dollars. Doesn’t that suck?” But there’s no education about better ways to do that. It’s just picking the worst example, which almost no one is doing, Dave Ramsey.
NBC’s article focuses on high-end perks, airport lounges they mention. They mention some of the premium benefits. That’s understandable because premium cards are flashy, those with the high annual fees, but it’s not explaining the whole issue. Cash back and rewards can also reduce grocery costs, especially when people are spending money anyway.
Many cards will give you four times points, five times points, or even five, six percent cash back on grocery purchases. We hear lots of complaints about the cost of groceries. Oh, the price of eggs are up, the price of butter is up, and so on. I hear this a lot, but we almost never hear from mainstream sources about how to save money on groceries through using credit, and even using credit to purchase gift cards at grocery stores, getting reward points for savings on gas and groceries.
Not every chain will offer grocery rewards, but some [00:11:00] do, and a lot certainly offer gas rewards or some flexible points that you can use for gas and groceries. At the time of recording this episode, my local chain Giant in Pennsylvania, they’re selling Vanilla MasterCard prepaid cards. You’re earning two x points, so for every five hundred that you buy, because America loves math, you can get ten dollars back to save on a future grocery purchase, or you can use those thousand points to save up to twenty-five dollars on gas Even better, we’re earning credit card rewards when we’re purchasing those gift cards, getting even more value.
And these gift cards could just be used for everyday purchases. Some people will use them to pay for dental, for health insurance, for tuition, and so much more. Why not earn those 2X points and the credit card rewards? But NBC is not mentioning any of that, and they’re framing it as a rich versus poor story when you don’t need to be a rich person to save on groceries.
And ironically, those [00:12:00] lower or middle income people they talk about would probably value this more than the rich people, but no education, only lamentation. Points and miles earned from credit cards aren’t only about luxury redemptions. This article leaves that out. Families can visit relatives. I’ve heard many stories where people had family emergencies, and they had to fly to meet their family members, even on their deathbeds, or they wanted to do that, and they had that opportunity without having to pay high cash rates.
They can attend weddings. They can take vacations they otherwise couldn’t afford. People go on staycations, maybe driving somewhere 30 minutes to an hour to stay at a nice hotel using free night certificates that you get from credit cards, even at more modest places. Credit cards can also reduce transportation costs, especially with rideshare, and give bonus on gas purchases.
Hotel points can make travel possible. Sign-up bonuses and category rewards can help budget-conscious people. It’s not only about the [00:13:00] rich, and it’s not only about the luxury redemption. The article talks about high-end lounges and high-end credit cards, but rewards are not only champagne and airport lounges.
It’s nice when they are, but that’s not the full story. We get the best of both worlds going to these nice lounges and valuing small benefits like, “Hey, here’s a $10 statement credit that you can use to save money on Uber.” Another thing the article doesn’t seem to mention much, credit cards are not only about rewards.
There’s better fraud protections compared to debit cards, purchase protections, extended warranty, travel insurance, rental car coverage, easier dispute resolution, and not exposing your bank account directly through debit transactions. Many cards have so many protections more than debit cards. With credit, when I have a dispute or an issue, some sort of fraudulent transaction or suspicious transaction, I’m not exposing my own money in my own checking account.
I recall former [00:14:00] coworkers, likely broke or living paycheck to paycheck, lamenting how they had a fraudulent transaction on their debit card or checking account. They pumped gas, and then they overdrafted their checking account, so they didn’t use gas points either to save money on gas, and they probably don’t have credit.
They had to wait for weeks to get their money back, but I’ve never had this problem with credit. They’re living paycheck to paycheck. They get a suspicious purchase. They don’t know about it. They didn’t see it. They go to pump. They overdraft. “Oh, hey, here’s an extra twenty dollar fee,” or whatever the case is.
Then they have to call the bank and dispute that. But when I’ve had some fraudulent transactions on my cards, I would simply call in. It wouldn’t be coming out of my checking account, and that wouldn’t be as much of an issue
Returning to the premium credit cards, they often include many lifestyle benefits to save money on dining, rideshare, fitness memberships, and so much more. I just used various Dell credits with American Express, and I got a Nintendo Switch 2. I used three credits, saving me four hundred and fifty dollars, [00:15:00] and then I had another twenty dollars saved thanks to CardPointers that activated various Amex offers.
I’ve covered numerous benefits from the BILT credit cards, and these can be used for all Americans, not just rich people, from monthly credits with Lyft, Grubhub, Walgreens, and many other merchants. When I use a credit card, I’m not only gaining points, I’m gaining layers of protection between the merchant and my bank account and so many other benefits, even small benefits not related to luxury travel.
I won’t blame people for using credit to earn rewards, and I certainly don’t believe, like Dave Ramsey does or the article writers might, that we’re propping up some system led by evil banks. The system already exists. Prices are already set, so let’s use credit earning rewards, having many protections, and not frame this like NBC does as an income inequality issue of rich versus poor.
If you can use credit responsibly, pay in full, earn rewards, you shouldn’t feel guilty. If [00:16:00] you can’t use credit responsibly, I highly recommend getting counseling or some kind of help rather than losing out on the tremendous value that comes with credit card use and probably being broke or living paycheck to paycheck.
I can sympathize, though, with people whose credit is shot, perhaps because of life circumstances like getting injured and being unable to work, vindictive people ruining their credit, I’ve heard of this with marriages and divorces, and other rare situations. But again, many can benefit from miles and points, whether they are rich or poor, low earning, high earning, whatever the case is.
And credit building is also possible. Even for those who declare bankruptcy, they might not be able to get back in with certain banks, but it is possible to get in with some, and after a few years, you can get back in and get back on credit, use credit responsibly, have good credit scores, get approved for many cards.
It’s really a wonderful thing in the United States that this system is possible. As [00:17:00] I’ve chatted with Europeans, those outside of the United States, even in Canada, they have some credit cards, some Europeans have some credit cards, but the system in the United States is much more generous compared to that of other countries.
It’s really amazing that I could just sign up for a credit card, shift my expenses to that card, and get something like a five hundred dollar cashback bonus, seven hundred and fifty dollar cashback bonus, or many points that I can either cash out or use for travel. It’s not only about travel, as NBC focuses much on that and much on the premium credit cards.
You can focus on luxury travel, you can focus on other things, or you can have a hybrid approach of cash back and travel
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Returning to today’s episode, this is a response to an NBC News article titled How High-End Credit Card Perks Are Hurting [00:20:00] Shoppers Who Pay in Cash. This, they write, is part of their Unaffordable America series examining what they call rising economic inequality in the US and the politics that drive it.
It was a lot of lamentation of credit card rewards, framing credit card rewards as a wealth transfer from the lower income Americans to higher income or rich Americans. They talked a lot about the negatives of businesses accepting credit, but they left out a lot of the other side of the story. They also left out financial education, helping people build credit, benefit from points and miles, benefit from credit cards.
I did not see this in the article. If you’re listening this far and you’re still using cash or debit for everything, even writing checks, this is your sign to get started with miles and points. Start simple, spend responsibly, pay balances in full. [00:21:00] Don’t chase points if you’re paying interest. Don’t let a scary headline and an article framing credit card rewards as economic inequality and a wealth transfer convince you that rewards are only for rich people in airport lounges and taking luxury trips.
Instead of earning nothing or zero on most transactions using cash or debit, now’s the time to embrace personal responsibility and level up. If I can come from a low-income or middle-income household and get this far, having more than forty credit cards, and I’ve opened and closed many accounts and going on so many trips.
Just back from a cruise with Virgin Voyages, people on board were spending thousands of dollars to go on the cruise, where I only paid taxes and fees. This is really life-changing stuff, that as a lower or middle-class or income American, as the article writes, you can have a life that’s very similar to those that have lots of money and can afford travel.
[00:22:00] Not many other hobbies can get you this. This is really unlocking a whole other layer to life, giving you all these great opportunities and keeping costs down while there is inflation, while prices are going up on some things. But we can do a lot to offset that, even with the small victories, those discounts on groceries and gas, those discounts on rideshare, saving money on hotels.
It’s a big deal, and over time, these add up. There are many, including myself, who move this from just a hobby or a part-time hustle to something that is more full-time, as I haven’t had a traditional job in many years, since 2019. I walked away from traditional employment, being in an office, being in schools, to be more independent and to do things on my terms, and it’s all been possible through credit card [00:23:00] rewards, even the small advantages adding up over time and also complementing the things that I’m doing anyway.
As I mentioned, I played poker and was big in online gambling. There have been negative changes to online gambling recently, but a big play was using credit cards to fund online gambling sites and getting the credit card rewards, getting casino statuses, and much more. Just with MGM, matching MGM status to other programs unlocked lots of free nights, food credits, cruises, and much more.
But in the NBC world, oh it’s income inequality. Oh only the rich people are going to win, and the people who are middle income are being disproportionately affected. Here’s another sign to get in the game that you can start with credit if you’re not already doing this, or if you’re a listener who maybe has one or two credit cards and they’re not doing so much.
Consider getting more cards. Look at cards [00:24:00] that give you high welcome offers and benefits rather than just using the same old card, getting maybe one or two percent back on everything, or some people using airline cards just getting 1X points with certain programs, and they don’t even fly much. You can do a lot more, especially if you’re a business owner, especially if you have high spending or even moderate spending.
Some credit cards that only have a welcome offer requiring something like two thousand or three thousand spending in three or four months, and you’re getting a very big welcome bonus. This can be a big deal and very low effort. A bit of organization, of course, discipline, but the system is there for you to take advantage of it rather than just sitting at home and lamenting this as an income inequality issue like NBC is doing, not explaining the full story of credit card rewards.
It’s a really nice thing that you don’t have to be some sort of millionaire to get [00:25:00] involved with this hobby and profit from it and save on travel. There are so many opportunities just waiting for you. And it’s not only me. I’ve had many guests on this show, and I’ve mentioned many other miles and points podcasts that some people would just describe themselves as average Americans.
They’re not rich, and they’re still changing their lives thanks to credit card rewards. It’s a real game-changer and continues even though I started this in 2018 and some cards have gone by the wayside, there have been devaluations, the war on happiness continues, there’s still lots of opportunity. And in July of 2026, even though I have so many credit cards right now, I’m still looking at applying for more because of big bonuses, because of status, because of different benefits.
There’s still a lot of opportunity even this many years into the game [00:26:00] Thanks for listening. A little bit of a different episode today as a solo episode. I saw this article and wanted to respond to it. My regular guests were not available, including some that had some family concerns, others who were sick, or some that just couldn’t make it.
Thanks everyone for listening. Stay tuned for future episodes. Comment on YouTube what you thought about this episode, this format, what you thought about the NBC article. It will be linked in the description. I’d be happy to hear from you. You can also email me, info@HurdyGurdyTravelPodcast.com. And of course, comment on YouTube.
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Travel at low cost with points and miles. Credit card rewards bring the smiles. Many adventures, tales to be told. Make and save money, the world will unfold[00:28:00]
Fight the war on happiness, pick up the gold. Hurdy Gurdy Travel Podcast breaks the mold