I signed up about 11 years ago, hoping to contribute towards my oldest kid's college. She's finishing up her first year of college now. Just got my statement today. In all that time, I've earned $54. So, while I never had a problem from them (no hacked accounts, sales pitches, etc) and I don't believe it's a pyramid scheme, I don't think it's profitable unless you eat out a lot, buy a lot of name-brand packaged foods, shop online a lot (and remember to launch from their site), or travel a great deal. I rarely do any of those things. So, it's $54 I got in 11 years of normal spending that I wouldn't have gotten otherwise. Nothing to write home about, but I'm not going to knock 54 free dollars, either.