Recently, credit card companies appear to be offering sweeter terms for their rewards credit cards. If you’re someone who pays off their monthly card bills in full, then applying for this type of card makes total sense. You’re virtually earning either money (cash back) or items (from rewards points) for the spending you do on your card. It only becomes a problem if you end up accumulating debt, since even with rewards, you won’t be coming out ahead if you carry a credit card balance and pay interest.