Yeah, I pay it off about twice a month, but usually between the day I schedule a payment and the day it arrives I’ve used the card again, so it’s rare for me to have a zero (or negative!) balance.

I do like the CC rewards, but they get that my “shorting” / charging the merchant. So, if the merchant is part of your community, try to avoid involving a CC processor by paying in cash. (I think cash is a pain to deal with, so my in-built preference is for some sort of card / phone payment system.)