Hey - I just looked this up. My DH and I figured out if you used it for scrapbooking stuff, gas and groceries, AND maxed out your spending on these (I think it was $100, $200 and $500 per month) you would earn $20 per month toward scrapbook supplies. (You do earn points for other purchases - but only %0.25). Not too bad, but we use a credit card to earn miles - we'll probably stick with that.
I would want one just for the pretty designs - I especially like that the have a plain one for the guys (with Lisa's DH's name on it) LOL!
~Niki