augiedog wrote:I like the statement credits more than gift cards. You can use the money wherever you want and you're not restricted by terms of the gift card. Plus all the hassle of redeeming gift cards, putting them in your wallet, or storing them in your phone.
Although, direct deposits are even more exciting because I get to see the money in my checking account for a short amount of time!
I like statement credits the most as I view reward cards as "discount cards" more than trying to get a reward. For me personally I feel much better at getting a statement credit than dealing with points that are highly limited or giftcard's that are also limited.
The thing I want to avoid most is the trap of ever spending more just because of a rewards program than I had planned to spend.