This credit card is excellent for people who want to earn cash back.  I don't know what the interest rate is because we always pay our bill in full every month.  There is no annual fee.  We get 3% back on certain items and 1% back on everything else.  For every $200 in rewards that we earn, we get another $50 (if we wait until we have $200 before redeeming).  We can access our account and pay bills online.  It's very convenient.

I said there is fraud protection... I don't know if that is a feature they advertise or not, but we have never had trouble getting charges removed from our...