rewards for literally no change in my spending behavior, all while building up a credit score of over 800 by the age of 26. I will save thousands on a mortgage when I am ready to buy. And what's the cost I'm paying for these benefits? Oh that's right, nothing at all. I've never spent a cent on interest and I never will. I pay off my balance once a week..there is no risk involved. But hey, some people don't like free money. Whatever floats your boat