We have one. We use it for everything, so we can rack up points faster. They used to send a reward check every once in awhile, maybe once every three months (?), and ours was usually worth $25 toward whatever we wanted on amazon.com. Now I believe you can redeem your points as you want to, for different levels of rewards. Either way, it's a chance for us to get something we want off Amazon, without technically having to pay full price because we get a "discount" by using our points. I think it's a good credit card to have, since the points have a practical purpose. We figure we were going to spend the money anyhow, we might as well get something out of it. Keep in mind though, you really only come out ahead if you pay off your charges each month.