Mine is for travel rewards. You get 2 cents rewarded back to your account for every purchase. However, you can't redeem the reward unless it's a statement credit for travel expenses. You get a 10% kicker for redeeming. The total reward is 2.2 cents per dollar spent. The hardest part is getting your travel reimbursement to fit into the rewards available to be redeemed. Overall, it's a good rewards card if you don't mind a few hurdles to redeem them.