ET, congrats on your first offer. I have never been particularly enticed by that offer. 6.67%, technically 7.67% after the 1% in points. There are much more rewarding offers (for some of us). With most of my on-line spend, I get 5% anyway (target.com, walmart.com, amazon). So, only an extra 2.67% with this offer. So, the key is to try to spend (organically, or slightly MSed) at on-line places where you would normally get 1% CB (not 3-5%) with your other cards so you are increasing your return by a full 6.67%. If you can do online spending that you could also take advantage of your SYW 3% back in points, that's a nice benefit too (online grocery order for example). If you are ok with second hand gift cards, you can buy discounted gift cards at raise.com which counts as on-line for me. I think you also get 2% back in points from raise since they are a partner. Good luck!