I think investing in a system to make sure you don't forget to make a payment might be the optimal use of your time here. I put it in my calendar as a recurring appointment to make sure I pay it, or you could set up auto-pay.
If this is a reoccurring thing I do agree that getting a lower rate is probably better than any rewards. MBNA true line has a 12.99% rate, which is obviously a lot lower, and would be one choice to switch.
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