<prompt> Human: I have amazing credit, I dont miss a payment, and I only use two credit cards- my Amazon Prime card, and my store credit card for where I work. The store card gets me discounts on gas, the Amazon card gets me money back on everything.I get tons of credit card offers. I am not a person who will take a card offer just to max it out and then owe money on it. Since Id never use these cards irresponsibly, or at all, is there any downside to getting them just for the bonuses?  <response>: CC companies dont give 500 away out of the goodness of their heart. They do it because on the whole they make more money back from interest, vendor fees, and other fees than they give out in rewards and points. If you are a responsible user that doesnt overspend to meet bonus criteria and makes payments and doesnt keep the cards when they have fees you should be fine. 