Hands Off

My Rewards

Mega-stores, led by Walmart and Target, want to take your hard-earned credit card rewards to line their pockets–leaving your travel points and cashback in the dust.

You can play an important role in standing up against special interests in Washington to protect valuable credit card rewards programs that benefit small businesses and American consumers across all income levels.

Tell Congress: your credit card rewards belong to YOU… not greedy mega-stores.

Get the facts

Senators Durbin (D-IL) and Marshall (R-KS) introduced S. 1838, allowing mega-stores like Walmart and Target to process credit card transactions based solely on what is cheapest for them, disregarding what’s best for consumers.
The Durbin-Marshall interchange bill would eliminate funding for popular credit card rewards programs, impacting 71% of Americans who rely on these benefits for savings.
In 2022, US card rewards totaled roughly $68 billion, aiding families across income levels with expenses like groceries and back-to-school shopping. Credit card routing mandates would erase these valuable credit card rewards programs.
Back in 2010, debit card rewards all but disappeared after Senator Durbin was able to enact similar routing mandates and price caps for debit card transactions.

Watch To Learn More


If you like credit card points and rewards, you should reach out to your lawmaker and voice your concerns. Our government should be working on numerous other issues, but destroying credit card rewards so retailers can make more money shouldn’t be one of them!

Brian Kelly
The Points Guy

Consumers, who already face higher bank fees and reduced rewards from the first Durbin Amendment, could see the return of annual fees and higher interest rates. And just as the first Durbin Amendment killed rewards on debit cards, experts have already warned Durbin-Vance will end popular frequent flyer and other card reward programs. Pushing usage of lesser-known card networks could also compromise consumer data security.

Todd Zywicki
George Mason University Foundation Professor of Law at Antonin Scalia Law School and Research Fellow of the Law & Economics Center

The Credit Card Competition Act would have a devastating effect on credit card rewards programs. Debit card rewards all but disappeared after Sen. Durbin’s eponymous Durbin Amendment (part of the Dodd-Frank Act) took effect in 2011.

Ted Rossman
Senior Industry Analyst, Bankrate.com and CreditCards.com


I personally think that if you like credit card points and rewards, you should reach out to your lawmaker and voice your concerns. There are a lot of huge issues our government should be working on, but I don’t think destroying credit card rewards so that retailers can make more money is one of them!

Brian Kelly
The Points Guy

Tell your representatives

Keep your hands off my rewards! Oppose this pointless law.

Hands Off My Rewards is a project of the Electronic Payments Coalition electronicpaymentscoalition.org
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