I hate "Points" cards. If you're like me and you want something simple, with cash back for using the product, this is for you. I've made literally thousands of dollars since accepting this card a few years ago. I get 1% cash back right away and another 1% on any balance I pay off as well. Since I pay it off monthly I see money every month. I'm literally being paid to use the card, free money, a no brainer. I pay the card off monthly so interest doesnt matter to me. But i literally charge everything I can to maximize the cash back. LOVE IT! I even tried the price rewind feature and was shocked it actually worked receiving almost $30 back for some tax software I had purchased and Citi found a lower price for me online. I also used the rental car insurance option and received money back on a charge I had for a damaged mirror to a rental vehicle. I've never been more impressed with a credit card.
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