Dont get me wrong, I HATE CREDIT CARDS TOO! But I have a Cabela's Visa Card and it pay's 1% cash back on every purchase, and 2% on all Cabela's purchases. I too pay ALL my bills and buy everything I would normally pay Cash With, with this card, and when the bill comes every month I pay it in full. No Intrest payments incurred and FREE MONEY back to me. It's nice when Hunting Season comes around I have around $120.00 in FREE money to spend at Cabela's on Hunting Stuff. BP