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We actually kicked around the idea of getting the card... we essentially use our credit cards for everything; bills, groceries, etc., and then pay it off at the end of the month. We just have 2 cards, a GM card and a Discover. We mostly use the Discover and then at the end of the year we've amassed enough cashback bonus using the card for our bills, that we can cash that in and pay December's bill to take some of the holiday edge off. Or, when we're wanting to buy a car, like I did last year, we use the GM card and knock $1-2k off the car's price. We thought about replacing the GM card with the Carnival card, but the rates aren't great, so it's really only a good deal if you pay it off each month. But it does seem like you could add up the miles pretty quick.
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