# [2026 Strategy] The Flat 2% Cash-Back Audit: Exposing Foreign Transaction Arbitrage in SoFi, Wells Fargo, and Citi ▲ [2026 Strategy] The Flat 2% Cash-Back Audit: Exposing Foreign Transaction Arbitrage in SoFi, Wells Fargo, and CitiMost personal finance discourse treats flat 2% cash-back credit cards as interchangeable commodities. Consumers routinely assume that earning an unvarnished two cent..