[jjav]

> No, you aren't making it more costly for the bank.

No, you are. Think about it, you as an individual can't change how this system works. But if you use a card with 0% rewards, you're gifting that extra 1-2% to the credit card company. If you use a 2% back card, you're taking that 2% that's on offer away from the bank.

Of course they're still making money, the fees are higher. But they make a tiny bit less if you use the rewards card. So might as well.