First of all...yes, you have to use a bank account to make the payment...but you have two options. If you want it auto drafted, you can shoose to do so. It gives you a higher limit. I choose the other option, which limits me to $1000. While I have to pay with my bank account, I pay when I want to, by logging in to the site and authorizing it. Yes, it's supposed to be paid in full monthly. But if you don't, they do not charge you interest. They will however make your card inactive. And once you pay the balance, you will have to call them to get it activated again.
As far as credit cards giving cash back....we've looked at them....matter of fact, just did again and one thing that deters me from them is the fact that their interest rates are higher than what our cards are now. So for us, the RV Plus card works fine for us. We are happy with the 7 cents a gallon we get off of gasoline. I do wish there was a close flying j or pilot to us to use to fill up our cars to make it more worthwhile.