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The modern credit card came into existence around 1950, but the rewards model is even younger.AT&T’s Universal credit card was the first to give cash back, to be put towards phone calls, in 1986.After attending a seminar on how to live off card rewards led by a prominent credit card blogger, she was inspired to bring her obsession to the next level by starting a blog of her own, Just Another Points Traveler.

In this case, some people care about screwing the airline," says Schlappig, who also goes by the name Lucky.Schlappig says there are plenty of sites that rise and then fizzle, but that the ones that maintain success usually have a specific niche.Heels First Travel is a credit card blog aimed at fashion-loving readers, while Muslim Travel Girl devotes many of her posts to helping readers score deals to holy travel destinations.He started his blog in 2008, and with a wide-ranging readership that includes "18-year-olds and 80-year-olds," he says his site now enjoys several million page views a month.Most bloggers point to Flyer Talk as the mothership of the entire credit card community.

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"The old readers are going to be more educated than the new ones who will sign up for the first few credit cards they read about, but there’s something inauthentic about trying to get people to click on referral links." Peterson argues that the industry has turned into a business just like any other, but believes readers need to be smart about which sites they frequent: "If five of the ten blog posts are about credit cards to sign up for, you’re reading the wrong blog.

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