I'll be up front, I don't care of credit cards. The rates and terms generally suck and there is no way I'd carry a balance on one. We have one card that is used for online purchase, travel, etc., but it gets paid off 100% of the time each month. Its a convenience and nothing more. As such, I've generally ignored the different reward offerings as I've figured they offer paltry returns, are a scam, or something of that nature. However, I read in article Money magazine recently that recommend their use. I then did some web searches and some articles suggest that if you have a relatively high volume of dollars spent via the card (we do) and pay it off each month (we do), that cash back programs can net some bucks over the year. Anyway, I am curious if anyone bothers with these. Was it worth it? Thanks.