I got the Blue card almost exclusively for the SUB ($100 in BC). If I find that the 2.0 program sucks, I'll just stop using the card after I use up the BC and toss the card in my drawer. I might end up using it on the first day of the month though. 2x points on the first day of the month is still pretty good if I pay utility bills with the card, and if I then make a housing payment of exactly 4x the amount of the utility bills I paid on the first of the month, I'd be effectively getting 4x points/$ to pay utility bills, which is still a pretty good return.