My MasterCard awards points that can be redeemed for cash or discounts at various vendors. I always opt for cash (given as credit on my next statement). That way, I'm not beholden to buying from a particular source.

My Discover card doesn't bother with points but offers cash back for every purchase.

Jon

macOS 11.7.10, iMac Retina 5K 27-inch, late 2014, 3.5 GHz Intel Core i5, 1 TB fusion drive, 16 GB RAM, Epson SureColor P600, Photoshop CC, Lightroom CC, MS Office 365