Banks' Spend-to-Save Programs Worthwhile?

This CNN article discusses a trend of banks offering what it calls spend-to-save credit or debit cards to help customers save. It descibes programs at three banks. I've mentioned these in previous posts. They include:

• Bank of America's Keep the Change program
• American Express's Saving Accelerator Plan
• EmigrantDirect's soon-to-be credit card with the nation's highest cash-back rebate

The article raises the question if these programs will help people to save. A good point is made by this quote from the article:

You can't spend your way into savings just like you can't borrow your way out of debt

In my opinion, if you're careful with your spending, these programs can be profitable. I'm eagerly waiting to see what cash back rate EmigrantDirect will be offering. I hope it's at least 2%.