Assertion: credit card's benefit | /r/CreatedBy | one
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text: While opening new avenues for marketing and competition, rewards programs are criticized in terms of being able to compare interest rates by making it impossible for consumers to compare one competitive interest rate offer to another through any standard means such as under the U.S. Truth in Lending Act, because of the extra value offered by the bonus program, along with other terms, costs, and benefits created by other marketing gimmicks such as the ones cited in this article.