Credit Cards are an investment???? lol

[Champ Leong]

Credit cards are an "investment"? EMPHATICALLY, YES! This literally just occurred to me in the shower. I pay off all my balances each month. I earn up to 5% cash back on my credit cards. THIS IS A STREAM OF INCOME. I'm going to buy things each month. Why not get FREE MONEY! :)

[Ben Zimmerman]

I don't know if I would call it an investment per se, but it is certainly a large stream of income if done correctly.  My Crypto.com debit card offers 8% back on all purchases, which can easily add up to very, very large sums of money.  It's that lightbulb moment where you realize that even after paying the surcharge to pay a mortgage with a card, you still earn positive cashback, making your net interest rate on your mortgage effectively a negative percentage.  

8% cashback - 3.5% pay by card surcharge = 4.5% free money, and considering my mortgage interest rate is 2.75, that effectively means I pay no mortgage interest and still earn 1.75% free cashback.

And the best part is that this passive cashback is generally speaking not treated as taxable income.