It seems kind of like a scam, though, credit card rewards. I don’t know enough about it, I generally don’t like participating in those sorts of things. Do you have a ref on the 95%?
Let’s just take 95% as a true figure … first of all the 5% you don’t get back is a straight up loss. The rewards you get at the end of the month are fine (eg cash back) but you’ve missed out on earning interest on the money you “get back”
Card network fees (the part credit card users don't get back) are about the same for the European payment systems. For card users on net there is essentially no difference.
The interest argument of course is nonsense because the opportunity cost ia outweighed ~50x by the interest benefit you receive from the entire purchase going on credit vs just the 2% interchange.
You are able to buy now, but not pay until 30 days later, paying no interest unless paid in full. Which means YOU earn interest on your money during that period...
