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She: "Well, sir, in that case it would be more like ONE percent, and you would only get that at the end of the YEAR!"

Me: "Really? That seems odd. However, if I carried a BALANCE I would get the 5 percent?"

She: "Yes sir!"

That is really strange. I have a Blue Cash card and I've never once paid a penny of interest on it and I do get 5% back on certain purchases. How much you get back depends on what it is (some things give higher percentages than others) and how much you spend. Once you reach the threshhold you get the higher percentage back and carrying a balance is not required. We got over $2500 back for 2008 purchases....
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