Hypothesis: we’re at peak credit-card rewards. As people use personal agents to shop, it’ll change the economics that support them. Credit-card rewards were designed for a world of imperfect human optimization. Optimizers like me know which card to use when, how to maximize credits, and how to redeem points well. For me it’s a fun game to try to maximize value from the credit card companies… but they make heaps from my dear wife who could care less about them :( But AI agents can make every…