A "reward" program where you lose, interesting concept.
Regarding Checkers, again, I come back to: If you cant determine something accurately, then don't use it.
If Checkers doesn't provide eBucks with a per card spend containing only qualifying products, that isn't the end users fault. You...
Calculate the interest saved vs the ebucks earned. That will give you your answer.
Might be worth keeping your finance open for the first quarter payout, then settle your outstanding balance after that.
Although the calculations are done on data from the beginning to end of month, the rewards only come in on or after the 8th.
Also becareful that transactions towards the end of the month, might roll over to the following month if not banked on time by the retailer.