But… If you carry a balance, you’re likely to get more out of Blueprint than if you pay in full.
But… A missed payment might be reported to the credit bureaus or result in suspension. And the 16.99% interest rate (which kicks in after 21 months) is about two points higher than the average.
But… You have to maintain a balance (i.e. not pay your bill in full every month) to reap the 5% reward.
Take some credit. Does your credit card offer any consumer-friendly features?