2594-1879 2594-1879 S2594-18792022000200064 10.36105/iut.2022n36.04 USA 00 12 2022 00 12 2022 36 36 64 104

2021 2022 American Express 2013 6 6 25-7 2021 2019 2018 2016 72 218 218 85 5 5 1327 2021 2013 34 34 59 2003 48 53-6 2005 4 4 328-49 2021 2018 2007 623-34 2021 2012 2010 2010-16 2010-16 2021 Discover 2020 2020 1978 2018 1975 1980 2007 2014 Flybits 2019 2021 21-1 21-1 2021 2022 Greg The Frequent Miler 2020 2021 2021 106 45 45 2021 2021 2020 2021 2018 9 9 2021 2021 1991 81 50 50 2021 2022 100 100 683-711 2019 2017 2017-074 2017-074 2018 68 68 327-40 2022 4 4 2019 19-06 19-06 3-4 National Small Business Association 2022 Navy Federal Credit Union 1994 2020 2020 2020 2018 2019 2022 2021 2019 25 25 2021 2020 7 7 2020 46 935-51 2007 40 40 40-1 2007 30 30 2021 2022 2021 2019 2019 119 119 1519-71 2020 87 87 559 2000 2022 2021 40 40 442-3 2017 2022 2022 2022 2021 2019 2020 2022 2003 50 53 53 2015 2021 2021 2020 2021 2021 5 5 2019 2021 TPG Staff 2021 2022 2012 7 7 2019 3 3 Wells Fargo