Since WF bought Wachovia, I thought I'd check on what was going to happen to my Wachovia Rewards account. I logged in and found that I had 5,229 points. After reading the faqs, I learned that WF will charge $12 per year to take part in the rewards program.

The first thing I did was use 5,200 pts to 'buy' $40 that will be credited to my checking account. Now I want to see how many points, on average, I would earn by paying bills with my card. I don't really use my card for anything else, since I'm one of those people who, if I don't have a cash envelope for a category (gas, groceries, etc.) I tend to spend more than I planned. The only thing I really use my card for is paying bills online, so I doubt it will end up being worth it.