Is this "Rewards" CC plan good?

[Vet. of Foreign War.]

For those who carry a balance on their credit cards, BillShrink
recommends PenFed's Promise Visa, which costs $20 as a one-time fee to
join and charges annual percentage rates of 7% to 9%, or CapitalOne's
Platinum Prestige card, a no-fee card with an annual-percentage rate of
around 12%.

You might assume that most people have paid off their mortgage by the
time they retire, but nearly a third of those surveyed said they were
still carrying mortgage debt into retirement. BillShrink recommends the
Wells Fargo Home Rebate card where your rewards dollars automatically go
toward paying off your principal balance on your mortgage.

If you want to make sure your loved ones don't get into debt trouble,
BillShrink suggests the Edward Jones Personal Card or Fidelity's
Retirement Rewards Card, where your rewards dollars are directly
deposited into an IRA, Roth IRA or 529 college-savings plan.
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Karma, What a concept!