A recent article in the Wall Street Journal highlights the many reasons credit cards rewards programs are drastically scaling back. Consumers have figured out how to “game the system,” and banks are starting to lose a lot of money. In fact, many banks are changing their rewards programs after people have signed up for them, causing many customers to cancel their cards and look for better alternatives.

Since most of these rewards credit cards have an annual fee, you might ask yourself whether or not rewards credit cards are even worth it anymore? This is doubly true if you run a business and are using rewards credit cards for your expenses. Every annual fee adds up for each employee who has a card, and if rewards are becoming less lucrative, then perhaps it’s time to seek out alternatives like Divvy?

Divvy is a secure financial platform for businesses to manage payments and subscriptions, build strategic budgets, and eliminate expense reports. The best part about Divvy is that you can earn up to 1% cashback, you get physical cards for every employee at no cost, and the entire platform is 100% free. Not only that, but Divvy integrates real-time tracking for every business transaction, which provides organizations instant insight into their spend. With Divvy, you can make informed cash flow decisions, curb losses before they happen, and never have to save a receipt again. Did we mention it’s free? It is.

In a time when rewards programs aren’t getting any cheaper, and rewards are diminishing, maybe it’s time to make a change?

See Divvy in action for yourself–take the demo today.