I do the same as many others and pay it off each month. One thing that we do to rack up a lot of points is to use the card at Sam's (now that they take Visa) to buy the $500 gift cards for $475. Then each time we make money on top of saving money. Side note - I then upload the $500 gift cards to a Disney Vacation Account so that we can get the $20 for each $1000 that you spend. Between using the chase card, buying the discounted Disney gift cards, and using the Disney Vacation account, we've saved $500 on our upcoming trip in June. It's really all in how you use the card. It's nice to get an advantage on specials as well.