I don't know anything about the NWTF card. I had a Cabela's card but quit using because the points were only good for future purchases at Cabela's. I now have a card issued through my local credit union that gives me 2% back on almost every purchase. We use it for everything(utilities, groceries, gas, etc.) and pay it off every month. 2-3 times a year they put the 2% into our checking account. Then we transfer that into a savings account to pay for Christmas and birthdays. Last year we earned right at $1000.