I use Chase, which of course has a similar product, and it was pushed hard on me as well. What drives me crazy is getting checks for $20 or $25 to sign up for these things. I myself will never cash these, but I worry that others do and end up with an extra $10 per month in charges.
There's no harm in cashing them if you don't carry a balance. This used to be a nice bonus for those who went through the trouble of churning cards with Chase, but sadly, that's over.
