I literally don’t understand how it’s profitable to spend points ie free money ??
Edit : I’m partially talking about spending points earned
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No one has mentioned the massive amounts of data they can then collect on you and sell. For example, let’s say you buy Lucky Charms every week. Without a card you’re just an anonymous shopper and their count of Lucky Charms sales goes up by one each week. But when you scan your card, now your weekly purchase is tied to you and also everything else you bought. That’s valuable to General Mills because they not only know your shopping habits but they can start targeting you with ads since you also buy off brand Cheerios every week and GM would love to convert you. Every scan at the register is a data point and that translates directly to $!
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