### Comment:
Just never thought it was that great. Maybe all the stories of people being retarded with them.

### REPLY:
The trick is to not be retarded with them.  
  
 For some you get one to two bps and up to 5 per dollar spent and can turn that around and pay your monthly statement or get travel rewards.  
  
 Just treat it like a debut card with rewards and pay that shit monthly.

### END.