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Cost of rewards is publicly disclosed by American Express, Discover, and Capital One in quarterly financial filings.

The rapid growth in spending by credit card issuers to provide rewards is dramatic: The best rewards credit cards have lucrative sign-on bonuses and rich ongoing rewards structures. The results demonstrate that there is a method to the strategies being deployed by the largest issuers: it is a great way to create a loyal customer base.

However, this is a small group (only 3.7%, according to the survey).

And credit card companies are becoming much better at identifying and rejecting these consumers.

With a 2-year-old daughter and a full-time job, life is hectic for Dallas mom and marketing professional Amanda Tavackoli.

Often, there’s not enough time to think about or run to the store to pick up a pack of diapers, baby wipes or paper towels.“Both my husband and I work full time, so it’s sometimes difficult for us to schedule everything that needs to happen,” says Tavackoli, 37.

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