4/2     What is your favorite rewards credit card?
        \_ the debt-free fuck-the-evil-credit-card-company card.
        \_ Rewards?  Fuck that.  The best cards don't charge *any* fees for
           normal usage so you can pay off the whole thing every month and use
           the card forever without paying the bastards a penny.
           \_ there are rewards cards which don't charge fees.  I like MBNA
              World Points, which has a 1% cash-back option.
              \_ there are quite a few rewards cards out there that don't
                 have annual fees. it's not like giving you 1% back is a big
                 deal when they make ~3% + ~30 cents per transaction, plus
                 exorbitant interest charges.
                 \_ If they're going to charge the merchant a fee per
                    transaction anyway (regardless of what card you have)
                    then this shouldn't matter. Interest charges only
                    apply if you don't pay your full balance.
                 \_ my local kinko's copy now lets you put small numbers of
                    copies on your credit card (as few as one copy, 10 cents).
                    Anyone know how they're able to dodge the above fees?
        \_ http://www.mercurynews.com/mld/mercurynews/living/travel/8278292.htm
        \_ I like Shell Citibank card.  %5 discount on Shell gasoline purchase.
           \_ Ha!  I get 5% discount on _any_ gasoline purchase with
              my Chase Freedom card + upto %1 back on the non-gasoline
              purchases.
              \_ yay, let's all buy more gas and increase our dependence on
                 the middle east.
                 \_ you have to buy the gas you have to buy.  i doubt he's
                    driving 5% more because it's 5% cheaper.
        \_ Amazon Card (Bank One) 1% "cash" back in the form of Amazon
           gift certificates.  3% back for purchases from Amazon.  Used to
           be 2% and 6% respectively, but Next Bank went bankrupt and
           Amazon then selected Bank One.  They automatically mail me a
           $25 Amazon gift certificate everytime I spent $2500, pretty
           hassle free.
        \_ My Platinum card from Patelco that returns 1% cash on purchases.
           Cash it the best "reward."
        \_ My BofA Visa has 1% cash back on all purchases. The cash is
           deposited into my checking acct. There isn't any annual fee
           or membership fee or anything, though I think you have to have
           a BofA checking account with a min balance of $1K.
           \_ does this card have a specific name?
                \_ mine is called the banking benefits visa.
           \_ credit card or debit card?
                \_ credit card (I have a debit card, but that one doesn't
                   get 1% cash back. I only use it at atms).
           \_ if you're talking about the banking benefits card, that card
              is kind of a ripoff. they give you one point per hundred
              dollars, but they always round down. also, if you receive a
              credit to your card, they round up when they deduct points
              from your card. this card is only good if you're one of those
              people who apparently gets double points for some reason.
                \_ I agree that it would be better if they gave you 1%
                   for ever $ instead of for ever $100, but I haven't
                   found any visa/mc that offers this w/o a membership
                   fee or annual fee. The nice thing about the BofA
                   card is that getting your cash back is easy (compared
                   with some of the other cards I used to have) and
                   all of your transaction information shows up in
                   BofA's online banking site.
                   I have a couple of other cards other than this one.
                   I use a Chase Freedom card for all my gasoline and
                   I used to use a Amex Blue card for all my online
                   txn (until they screwed up their website making it
                   impossible to find the one use cc number form). Blue
                   was a decent card (1% cash back, no membership fee,
                   no annual fee, &c.) but the problem is that lots of
                   places (esp. overseas) don't take Amex so you have
                   to have a backup Visa/MC.