Looks like the party's winding down for US credit card perks. That era where you'd rack up massive points on every purchase? Probably heading toward the exit.

Traditional finance keeps tightening the screws. Banks are slashing reward rates, hiking annual fees, and making redemptions increasingly painful. The math that once worked in your favor is quietly being rewritten.

Meanwhile, crypto payment rails are building something different. No middlemen skimming 3% off every transaction. No points that mysteriously lose value overnight. Just transparent incentive structures baked into the protocol layer.

Not saying Web3 payments are ready to replace your Amex tomorrow. But when legacy systems start dismantling their reward programs, you have to wonder if we're watching the old guard admit the game's changing faster than they can adapt.