I used our bank's cash-back credit card for several years. It was really nice to regular use the rewards cash-back to pay down the credit card balance (all online). However, after the crash the rewards kept getting smaller. Now we use mostly a Sam's Club Discover card because we get a higher rate of cash back (I had to do the calculations to figure out that this actually is the case). I put everything I can on that one card to optimize our cash back. With Sam's Club it's a once-a-year check that comes in the mail.