Rewards were higher in the past, but the card issuers were getting wind of what was happening and tried to close the gap. I was doing a PayPal trick for a while with bills that was awesome.

That said I think people complain too much and always compare it to a credit card. This is a **debit** card so you can use it in tandem, and some ACH will now pay rewards too. The spins have stopped being a thing mostly except for promotional stuff.

Since the beginning and to this day though, the sats back on gift cards is the best part. The 0.5% (with boosts ever so often) on the normal card is just icing. I’ve never had it not more than pay for itself, if you use it as your main card you can seriously stack sats with it.

Thats just my experience though.