[smugma]

Credit cards give 1%+ cash back plus are interest free loans as well. You have 30 days to pay your bill and on average a purchase will be made 15 days into a billing cycle ie 45 days total.

So BNPL is not a compelling offer for those who have good enough credit to have credit cards.

[kgc]

Couldn't you use a credit card on a BNPL purchase to double your arbitrage?

[xur17]

I don't think BNPL loans let you pay them off with credit cards.