I used it for about a year. It was early on so the program changed frequently and the mortgage payments sometimes worked and sometimes didn't.

I think they have gotten the operations more in order but from my experience their benefits got worse every few months.

Pros

- sats back on everything

- truly a BTC only company

- nice synergy if you also want to buy sats on their platform

Cons

- average sats back was less than 1% for me

- you have to spend a lot to be able to do the mortgage one

- you can probably get more sats with a credit card (like amex 6% on groceries and convert that to sats)

- hard to track monthly spending

- no checks