Thank you RichC, that's what I wanted to hear. The rate dosen't matter--like you, we carry no balances. As long as there are no snags in redeeming the points, like with some frequent flyer programs, I'm in. My wife and I talked about this when the card first came out; but having fought our way out of credit card debt twice over the years, we didn't want to put temptation in our wallets. But we're older and wiser and I think the time has come.
Thanks again, RichC.