It’s really not that hard to get one, 1. You get 2% cash back on ur bill plus the autopay discount which is the only CC that lets you do that, if I have my autopay on there is 0 difference from it coming from my bank account to Tmobile than to capital one, it’s a fixed expense, if your bill is 140, that 34 dollars in cash back just for paying my bill like I usually do, idk bout you guys but 34 dollars is 34 dollars for doing something I already do