The article offers insight to a study "Who Pays for Your Rewards? Redistribution in the Credit Card Market," by Sumit Agarwal, Andrea F. Presbitero, Andre F. Silva, and Carlo Wix that examines the impact of rewards programs on credit card users with different FICO credit scores and income levels. It mentions that high-FICO credit cardholders benefit from rewards programs while low-FICO credit cardholders lose money, regardless of income level.