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as mentioned in other forum, how about tj maxx card? you get a $15.00 gift certificate for signing up, then 5% back on all tjmaxx and marshall's purchases (and there are lots of great buys at these stores if there are some near you), and 1% back on everything else. your rewards come in the form of $15 gift certificates for these stores (so, on 2nd thought, you NEED to have one in the vicinity). but the good thing is, since that's a relatively small amount, i get one or two a month. no waiting for 2 years to amass enough points to redeem for a reward. sorry, i don't know apr, because i pay it off every month. but their csr's have been great in the event of a lost check (as in "i pay it off every month and am thus requesting you remove these late and finance charges, please", to the response of, "okay."!!) i've been using almost solely for years and am very happy with!
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