Spending $20K a month on business expenses sounds like a perfect setup for racking up credit card rewards, right? But financial guru Dave Ramsey calls those points a 'scam'—not illegal, just a distraction from real business growth. While nearly 90% of small businesses use credit cards for perks like points and payment flexibility, almost half struggle with debt and interest that can wipe out any rewards. The real game-changer, Ramsey says, is staying profitable and debt-free. Do you think rewards are a smart business move, or do they just tempt owners to overspend? Let’s hear your take! #Business #MakeMoney #SmallBusiness