Be careful because all these reward cards are geared to those who hold a $0 balance. These cards have higher APRs than standard cards.

I always pay it on time and APR never bothered me. This, to those people like me, is kind of a good deal. In fact, they had a promotion back in this May where you need to spend just $500 for the first 3 months and you'll get 15000 pts. The rate of return is almost twice as much as this one. They cancelled that promotion right after I applied.

I just got one of these a couple of months ago. I always pay my balance in full every month. There are websites that rate credit cards and one of several I had for years was sucky and this one highly rated so I ditched the old one for this and ran it up to get the bonus points. So far so good. No complaints. If you can't pay the balance in full every month you should avoid credit cards in the first place.

What's a point worth in dollars for this credit card?

1 point = $.01