<prompt> Human: I noticed that rewards visa gives a lot of awards pretty quickly, such as 100 gift cards for not too many points. You can even exchange it for 100 visa prepaid card. I can get one nearly every 3 months pretty easily, so 400 a year.If you pay the credit card off every month, youre not paying any more than normal.I dont get what the catch is. Why would anyone _not_ use this for every purchase?  <response>: If you are otherwise capable of keeping your spending under control you are correct - there really is no good reason not to use a rewards credit card for your purchases. Think of it as a small discount on everything you buy. 