There are very few true bargains in life but the cashback bonus rewards, especially where you can get a $50 card for $45, is a real bargain. It truly makes me feel like I’m getting something for nothing – a free gift. We are on a tight budget, and we use these cards to go out to dinner. Last year when you had a special promotion if you spent so much each month you get extra bonus $ – we had over $500 we could spend on furnishing our new house! FOUND MONEY.