There has been little change to how I spend in the US as compared to SG or Paris. When I was in SG, I basically used my UOB One card to spend. I get 3.33% rebate for spending S$500 per month, for 3 months in a row. I also get around $150 per month due to the bonus interest generated by the UOB One account. I attribute the $150 return to the credit card spend. Cos, IF I don't spend S$500 on the card, I won't get the bonus interest. The bank account would just generate the base pathetic interest. So for me, when I spend S$500 on the UOB One card, I deem to have "earned" S$150 + S$50/3 = S$166.67, DUE TO me using the credit card. That's around 33% "return". Sure, one could argue that the bonus interest is due to the amount I have in the bank account. But I view it that,...