[elteto]

Most of the time it’s the other way around, at least in the US: because cash and credit card prices are almost always the same it is the cash users who are overpaying, to the tune of 2-3% of the purchase price. It makes no sense to use cash.

[lxgr]

Sure, but somebody is still paying more in aggregate than what you get out as rewards, or this industry would not exist.

[UltraSane]

Yes, the 12 to 30 percent interest the credit card companies charge.