For someone looking for a MasterCard, this looks like the best deal, for the next year anyhow. An ad I saw in the Parade section of the Sunday paper a few weeks ago...

AT&T Universal MasterCard

0% on Balance transfers until March 1, 2005

Full 5% cash back on purchases made at supermarkets, drugstores and gas stations until 6/1/05, full 1% cash back on all other purchases up to a maximum of $300 annually

No annual fee, no balance transfer fees

Limited time offer, must apply by 7/15/04, ph 1-800-506-8737