So i just recently began using my rewards credit card and I do love it. I agree that rewards cards are only good if u pay off the balance each month because thats the only realll way to reap the benefits. But the pros can be that u earn money on your everyday purchases....purchases you'd be making regardless. The card i ended up getting was the Lifespring Health Rewards Visa and my card is actually associated to an online shopping program also so i earn extra cashback. But theres plenty of good rewards cards u def have to do the research.