Probably due to the cost of managing the operations including dealing with compliance, fraud, chargebacks, refunds, disputes and suchlike. Also this whole silly rewards points thing that many of the cards seem to do needs to be paid for somehow. And that&#x27;s just the credit card company, not the processing company taking payment on the internet who will want their cut, and may do their own fraud&#x2F;refund&#x2F;dispute handling too.