Why Your Credit Card “Perks” Keep Getting Gutted | The Evolution of Credit Cards

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Over the last few years, credit card perks have gotten way more complicated, and for a lot of people, they feel worse. In this video, we’ll break down how we got here, why premium cards now throw $1,800 in credits at you, and whether it’s even worth the hassle anymore.

We’ll cover:
- The 3 phases of credit card evolution 📈
- Why your “$800 annual fee” card feels harder to justify
- The truth behind partner credits and why banks love them
- The psychology of rewards programs (cash cows, stars, and more)
- Your best options in 2025 if you want to opt out of the mess

Timeline
0:00 Start Here
0:18 Phase 1
1:30 Phase 2
5:40 Phase 3
7:51 Alternatives
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Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which AskSebby will earn an affiliate commission or referral bonus. AskSebby is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.
The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available

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Видео Why Your Credit Card “Perks” Keep Getting Gutted | The Evolution of Credit Cards канала AskSebby