I am not that much into credit cards i am not 18 yet but soon also i live in Europe,but dont you need to pay for that loan (if i am not wrong arent credit cards working like loans?You need to pay some interest for the bank so they get some money otherwise its like this you get 15.000$ and after some times you return 15.000$. I know that you have to return 0.1% or more of what you have taken from the bank.) So evan if there if there is a 500$ cash return every 5000$ will it cover the interest of the bank.....Am i thinking wrong?