Personally, I think a VERY good card is the First USA Southwest Airlines VISA. (http://www.firstusa.com/cgi-bin/webcgi/webserve.cgi?partner_dir_name=southwest_airlines_c lassic&page=cont)

You can cash in a free domestic trip for 16 Rapid Rewards credits (1 credit=$1000 spent on the card). In the first year, the card gives you 4 credits. So the first year redemption is 12 RR credits. Annual Fee = $39

The GREAT thing about this card is that the 16 credits gives you a TRANSFERABLE Tix!!!! That means you can go to Ebay.com (http://search.ebay.com/search/search.dll?MfcISAPICommand=GetResult&ht=1&SortProp erty=MetaEndSort&query=southwest+airlines) and sell it for usually $330 on average........That's 2 cents per mile in the 2nd year of card usage (i.e. $330/16,000) or 2.75 cents per mile in the First year (i.e. $330/12,000)

Others in the know acknowledge that this card is pretty unbeatable in this regard.

As you know, you can get paid immediately thru Paypal.com.

You can then have the OPTION of USING your newly earned money to purchase a tix on ANY airline (thereby collecting miles), putting in the bank, or keeping the domestic reward for yourself (lowest redemption in the industry among the majors).

The card is COMPETITIVELY PRICED at $39 or you can go for the $59 Platinum card. Only bad thing about the card is that it's offered thru First USA.