Quote Originally Posted by zencentury View Post
Ahhh, here comes the BUT

If you don't pay off your balance each month and have ever paid interest on the card balance it's not really free

Free kittens, anyone?
These points come from simply having a Citibank checking account, savings account, brokerage account, etc. Now that I think about it, it's got nothing to do with my credit card since I get 1% cash back for any purchases on it (which is paid off every month, btw .)

It really is free money.