to each their own (although you will see opinions posted in your thread that do not necessarily espouse that)

for me personally, no, it's not worth it. I am way too concerned about my susceptibility to overspending while using the card anyway compounded by the justification that "well, I AM getting a reward!"

also, quite frankly, I just don't spend enough each year to make good use of the rewards.

I have considered it, even started a thread once for advice on which might be the best but in the end, it just wasn't worth the headache vs. the small amount I would get back anyway.

that said, maybe if I made more and spent more, it would be worth looking into but for now, I like my life simple and no debt with one regular old card fits that bill nicely.