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I have one and use it and find it most worthwhile.
No problems with the APR, as I don't carry a balance.
I am a Bank One customer (they are huge in AZ), so I pay my bill online by directly transferring from my checking account, so i have no due date issues.
I use it to purchase most things, and to pay many bills online (cell phone, utilities, etc), which I then just simply immediately pay off the card to get the points.
My wife and I also use it often for reimbursable work related expenses, so we get the points when doing that.
I've had it about 18 months. In that time, I've accumulated about 500 points.
Some do airline or car reward cards - I'd never have reason to use those rewards. this fits me well.
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