The Silent Way Credit Card Rewards Are Costing You More Than They Save

I earned $800 in credit card cash back last year and felt like I'd found free money. Then I actually calculated the full cost — increased spending, interest, annual fees — and found I'd lost over $2,000 chasing those rewards. In this video, I break down the 3 hidden costs of reward credit cards that nobody talks about, who reward cards actually work for, and a simple 4-step process to calculate your own real numbers. #CreditCardRewards #PersonalFinance #MoneyMechanics #CreditCardTips #HiddenCosts #MoneyMistakes