I used it for magazines, and the deals of the day. But that deal ended about 4 months ago. You have sweepstakes and that’s about it now.

There is some merchandise with big discounts, but expensive. If you see something like a watch or purse you can resell, that would be the other option. There are some cheap watches that would work like Christmas gifts for people you are not too close too.

I like it. Too bad my power company does budget billing, but no interest on it. Try it and report back. There might be a upper threshold were they either send the money back, or stop paying interest above that

Probably not. I have a Toyota rewards card that I carried a balance for over a year. Never got any offers. Now that is paid of and not in use, I get offers like triple points on all purchases in May, or 6 points per purchase in restaurants and fast food establishments.

Being a 1 point is $0.01 in rewards, those points add up quickly, but only a few months a year.

But it could also be that they revamp their rewards system after I paid them off. So it’s just a guess.