Also, it's difficult to determine if you end up spending 2% more on purchases than you normally would because of the "convenience" of the card. If you are a per

Also, it's difficult to determine if you end up spending 2% more on purchases than you normally would because of the "convenience" of the card. If you are a person who is diligent about budgeting then I'm sure it's possible but most people I know will just pull out the card at Starbucks if they don't have cash in the wallet to pay. Without the discipline that 2% can evaporate very quickly.