<<So what are some Fools favorite plastic perks? Personally, when I was in college, I rather liked the coupons AmEx sends to holders of the Student Optima card. Nice coupons for Continental tickets and frequent flier miles, and some good ones for J. Crew, 1-800-Flowers, and Columbia Music Club, if you have any use for them. What about some of these "cash back" offers? I always presume that some little bit of fine print will exclude me from actually getting the cash, so I don't pay a lot of attention to that. What are other Fools' experiences with these?>>The highest cash back offer I've seen is for 3%, but you only get that rate if you have a high balance and pay lots in interest charges. Not a good ideaI use two cards. The main card is MBNA LLBean visa. 1% back from most purchaces, 5% back from LLBean, and free shipping from the company. All money back must be spend at LLBean, but even if I don't buy clothing there, X-mas usually wipes out anything I get back. Interest rate is 9.9% for purchases, and something like 14-15% on cash advances. Also have a Discover card, which is no longer used much. The amount you get back is on a graduated scale maxing out at 1% of what you spend on the card. Interest rate is quite high, not certain what it is as I don't have a bill in front of me and have never paid any to them. Crazyfred
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