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The Discover Card is one I will never be without. I am quite thrifty and I love knowing I'm getting a good deal on something. My Discover pays me back in full - 1% back on ALL purchases, but also, 4 times a year they have additional categories that will return 5%. This month I am getting 5% back on my gas purchases (as well as other items too) - much needed with prices skyrocketing these days. One you've accumulated $20 in rebate money, it's time to use it. In my case, I get even more money back by requesting $25, $30 or $40 giftcards w/ that $20 for places I frequent most often - Bed, Bath and Beyond happens to be my favorite now that I'm a new homeowner. And since I pay my balance off every month, I end up MAKING money with this credit card.