After debit cards came out and I learned to use one, my wife took it away from me. Apparently she was tired of getting 27 page bank statements, she didn't appreciate me stopping at the C-Store and buying donuts and chocolate milk with the debit card, go figure. So she takes my debit card and informs me that I can use the Cabela's credit card and she'll just write one check per month.
Skip ahead 7 or 8 years...ALL of our bills, from utilities to groceries get paid for on that Cabela's credit card (1% kickback in points) and she has the Cabela's bill taken directly out of our checking account, no more paper. Now, if you think about how much the average couple will actually spend over the course of a year, those points add up dramatically!!
This isn't something that only we can do, anyone can. The only hard and fast rule is, pay that Cabela's bill off each and every month, otherwise yer points are gonna get eaten up in one months interest. I now get to shop at Cabela's a couple of times per year and purchase things that I otherwise would not have spent the money on.
If you want to give this a try, start small. Put say your electric bill on it, or maybe that and groceries. Once you get used to it and learn not to overspend start adding expenses. Before you know it, Cabela's owes YOU $500 or more!!
The other great thing about this is, Cabela's actually owns the credit card company and their customer service is what you'd expect from them. A live body answers the phone when you call them instead of machine, the live body is located in the U.S.A. and they speak english. If anything funny happens on your account, they call, RIGHT NOW!!
Like my dad used to say, "If they're going to let me use their money for free, I'm going to do it"