This was one of my first cards and the initial sign on bonus is a good deal, spend 500 in the first 3 months received 15,000 points, however after that bonus there aren't any other big incentives for rewards or bonuses. It will accrue more points if you are using the card at specific locations however I don't personally go to those places so most of the cash I spend it 1 point/1 dollar. Also the rewards points themselves are not worth much. To get a 10 dollar gift card is like 20,000 points which in my opinion is as little ridiculous for a 10$ gift card. However it is nice you can use your points as cash value to pay some balance off your card if you have it available. I have no issues with the card except the lack there of bonuses and rewards available since it's why I got the card in the first place.