It's free money in my book. We have 2 other cards that we use. Outside Amazon it's our credit union CC card that gives us 5% cash back on almost everything (including Costco and we use our Exc Membership with 2% back...ie a total of 7% back between the two, haven't paid for a Costco Exc membership in over 15 years)..... We buy almost everything we can with it.... we get an average of 1200 to 1600 back yearly on it from the CU. Then Cabela's Black for my work stuff, I get about 1000 yearly in club points with it.......Why I have nice coolers....LOL!I just dropped about $400.00 on Christmas stuff . Saved about $100.00 waiting for today's sales , but it sent me a message that I could have earned $151.00 worth of credit over the last few months if I had the CC . I always think I'll sign up for it then I forget .