We never carry a balance and always just pay ours in full each month. We do have a card that has given us vacation rewards points to the tune of 3%, which adds up terribly fast given that we pay everything with that card - all bills, groceries... pretty much everything but our contribution at church! Last month we got a notice saying that the rewards program is being changed to a 'new and improved points program that will give us a wider range of vacation options." Suuure it will. We can use it at more PLACES, but under the new system, we got more like 1% of the value of our purchases.

Time to get a different card...