I have a Chase Freedom Credit card and it's great. I've had it for a year and a half years. It has the option of getting points or cash back rebates and I have mine set to cash. I get 3% back on groceries, eating out, and gas stations and 1% on EVERYTHING else. Once you get $50 in rebates, you can request a check. Or if you save up $200 in rebates, you can get a $250 check! I have already earned almost $400 in rebates in the past year and a half. I love having a credit card that pays me instead of the other way around!