We had this topic in the chatroom, so I thought it would be interesting to ask the rest of the board. Which credit card issuer provides the best return? I use Discover and get 5% cash back at various places offered each quarter like fuel, grocery store and restaurant purchases and 1% on everything else all the time. I realize that some view these 'reward systems' as sales gimmicks, which they are certainly, but if you're going to purchase the item or service anyway, you might as well get some kind of kickback for it. What other benefits do you find with the use of credit cards over a debit - bank card? (easy disputes, travel insurance, etc.) Also, what about those cards that offer airline miles? What's the purchase cost to miles ratio on your card?