A rewards CC is a no brainer IF you can have a CC responsibly. Some can't.
I use my Cabelas card for everything I can possibly put on it and pay it off completely each month, before the statement date. I use the points for 22lr, shipped free to my door with a 5% military discount. Again, no brainer.
Rewards cards are not a good deal, or any card for that matter, if you pay interest. Don't use a CC if there is a cash discount that is more than the reward.
Most years I'm getting around $500 worth of "free" 22lr ammo.
But if you load it past 1/3 that 500 isn't worth the credit score penalty
