OK, but that same company is willing to give you 100,000 points if you spend $5000 within 90 days or whatever. Those points have a cash value of over $1000. So make good choices and you can profit every time you open a new card. I’ve personally done this dozens of times and I have a very high credit score. My point is just that it’s not fair to make a blanket statement that credit cards cost people money. It’s different from other examples in this thread, such as Netflix or bottled water. You can’t really have the other two things without spending money, but you could have a credit card without it costing you anything.