I also did a lot of research before settling on this card: Chase StockBack card. I didn't build a spreadsheet for this, but I've been know to get that carried away ....

You get 1% back on all purchases. Period. None of this tier stuff or needing to carry a balance to get to 1%. The exception comes when you earn MORE than 1%. You earn more when you purchase from select retailers like BestBuy (2%) and other brick and mortar stores. In their words, "earn up to 25% back at participating stores and 110+ online merchants." There is no anual fee and the APR is very low.

You can opt to get your rewards in cash or placed in a S&P Index Mutual Fund (hence the name "StockBack". I've found it takes over a month for the rewards to move from "pending" to cash.

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[This message has been edited by tiggwin (edited 12-05-2002).]