The article discusses the growing popularity of cash-back credit cards, which offer users a form of 'free' money in the form of rewards. While these cards attract consumers, some question whether the rewards are a genuine benefit or merely a ploy by credit card companies to encourage increased spending. A Quora thread showcases opinions, particularly highlighting a user named Tom, who finds value in credit cards due to their purchase protection and absence of annual fees, despite the skepticism around their promotional nature.
"Whether it's a flat-rate or rotating category card, something about this benefit attracts credit card users who look to earn 'free' money every month."
"The question being asked in one Quora thread is whether cash back credit cards are beneficial or feel more like a gimmick."
"Credit card companies are always making money, so if they have to spend money to make even more money, this is precisely what they will do."
"Tom doesn't mind the gimmick view, as he enjoys using credit cards with no annual fees and values the purchase protection they offer."
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