After originally being turned down for a Sam's Club Discover Card, for what reason I cannot possibly imagine, I complained in writing to Discover and Sam's and they relented. One thing you need to watch: if you get turned down for the Discover, they may automatically sign you up for a Sam's Club card, which you may not want.

Something I had not known makes the Sam's Discover even a little better deal.

At Sam's, when you check out and use the Discover Card, it gives you the option to take out up to $60 in cash and have that added to your charge.

This codes not as a cash advance, but as a purchase.

$60 a day limit, but what the heck, as long as you have to get some cash anyway, you get the rebate and some float. Every little bit helps.

If you worked at Sam's, you could pull out an extra $60 a day, maybe $15,000 a year, and get a few hundred dollars' value annually without much work. It would quickly get you up to the $5000 spend needed for the top rebate tier, and help your credit score, too, I assume.

Don't know if this works at Wal-Mart, too, but will find out soon.