I used it for about a year. It was early on so the program changed frequently and the mortgage payments sometimes worked and sometimes didn't.

I think they have gotten the operations more in order  but from my experience their benefits got worse every few months.

Pros 
- sats back on everything
-  truly a BTC only company
- nice synergy if you also want to buy sats on their platform

Cons
- average sats back was less than 1% for me
- you have to spend a lot to be able to do the mortgage one
- you can probably get more sats with a credit card (like amex 6% on groceries and convert that to sats)
- hard to track monthly spending
- no checks