sorry, I don't mean to mislead. I have a business card which gives 3% cash back on home improvement, staples, office max ect., phone service and everything else is 1%. This is with Bank One/Chase.

Then I have a dividends reward card with Citibank which gives 5% on groceries (that adds up with a family of 5). and 5% on gas (that adds up too) and 1% on eveything else. I get about $500 a year between the two of them. Then I have the Hilton Honors card which gives me about 3 free nights a year.

I just keep hearing about friends who fly here and there and the more I looked into it, it was=to 1 % cash back. I just wanted to make sure I wasn't missing something.

We just purchased DVC and MVC and I am distressed with the cost of airfair for a family of 5.