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To add: it's also a lot easier to just tap the 1% card as you would normally. There's no change to what people do normally except you get free money (not strictly, but close enough for most people).

It requires a lot more commitment to decide if the transaction is big enough to warrant a no-chargeback discount and if you trust the retailer. Some people would definitely do it if given the chance but it in no way compares to using a cashback Mastercard to buy your lunch.




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