I have a GM Card. I swear I have some stupid subconscious magnetic attraction to that logo... Well anyway, the GM card builds up reward dollars you can use on your next new GM car purchase. I don't ever intend to purchase a new car in the next 5 years (before the points expire). And if I do, I somehow doubt I'll be super-glad I had my trusty GM card to save me $50 on my $20,000 purchase... Not that I'll NOT appreciate it, it's just like a spoonful of sand from a full dump truck... Not really doing anything for me... I've always had cards that are just credit cards, no gravy. Capital One was actually a card that cost me more and more every time I used it. Actually, that one cost me a couple hundred even when I stopped using it ... So I'm looking for something with more immediate rewards. Interest rate is not a big deal, I pay off full balances immediately or before the interest rate would apply. My primary usage would be online purchasing or emergencies (like a dog's cut foot). So what do you guys recommend (or not)?