I have a dividend mastercard. I get back 1% on most purchases, and 2% on gas, groceries and at drug stores. I put everything I can on it. All my normal bills, like electicity, internet, dish network, cell phone, and land line phone. When I get $50.00 accruded I call them on a 800 number and they send me a check. I have gotten $1070.00 from them and haven't paid any interest. No wonder they are going broke. I only have to send one check instead of several at 42 cents. Going up to 44 in May.