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> Because they give more benefits (insurance, lounge access, cashback etc...) and someone has to pay for this

The company (or cardholder) pays for this - corporate cards and the like aren't free, they come with an annual fee. So it's not all on the merchant.



These fees are usually waived based on spend and often just require a simple call to the issuing bank. Even 400 usd won’t cover hundreds of thousands of airmiles gained by spend.




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