GofC is very good if you get a college kid. If the tuition is $30,000, you can cycle that amount via GofC funding. With 1% fee, you can accumulate miles or points with little work. Much better if you buy it at grocery stores etc.
It is not the traditional MS. You can't cycle the $$ if you do not get college age kids. There is tax penalty if you take the money out not for college expenses.