I typically avoid products where the company is telling consumers that everything they are doing is to benefit consumers. Businesses are supposed to make money. The best way for a business to be transparent is to inform consumers about how they make money - and that is likely not going to happen often since deceit is usually part of the profit plan.

I would much rather have a fixed rate credit card that offers a fixed reward based off of a predetermined parameter. So far fixed APR cards with 1-5% cash back have been most enjoyable. I don't care how much a company is profiting as long as I think what I am paying and receiving is reasonable.

It would be nice to have an 8% APR though, and I would love to see a company's profit statement.