James J, Lincoln, NE:
I just started using my discover card. I will pay the total amount each month, and make cash back on what I would spend with cash on each transaction any-way. Using the Discover program is a great way to shop and pay bills and even have some fun, and get paid to do it! Wow, now that is what I call a deal.
Newbie small-print alert: You get 1% back ONLY after you spend $3000 on non-5% bonus category charges. After 12 months, it resets back to zero and you start all over again.