Honestly, I love them. It's just a matter of signing up for the right card, so make sure you sit with a personal banker so you can explore all the options. The cash rewards credit card is great. They give you 3% back on gas, 2% on groceries, and 1% on everything else [so you're basically getting money back for every purchase]. Cash back doesn't expire. There's no annual fee for the card, plus it's interest free for 12 months. The travel rewards is great for those who travel a lot. They give 1.5 points for every dollar spent, and you can redeem those points for anything travel related [hotel, airline, rent-a-car, baggage fees, etc]. Points don't expire. And the best part is, there's no international fees. Most cards charge you to use your card out of the country [usually 3% of the transaction]. It's built in with the chip, and it's much safer than carrying cash. There's no annual fees for this card too. I've found that most travel related credit cards charge fees after the first year. I've considered getting an airline reward credit card, but backed out because of the $72 annual fee. Ridiculous!