we've primarily used Discover for over 35 years. 1% on all purchases, plus 5% on rotating categories that we always sign up for. The reason we stick with this vs some other cards with slightly higher rebate rates is that with Discover the cash back is available immediately.
We used to have the Sam's Club Master Card. It's rebate rate was a little higher, but it was only paid once per year. We had to hang onto the card until we got the rebate, then canceled it. We probably forfeited a small amount when we canceled, but it wasn't worth hanging on to it.
We also have Good Sam Visa. Again, a slightly higher rebate rate, but you have to accumulate x points to redeem them, usually for gift cards to various businesses. Those credit amounts vary whether or not they're a good deal based on how many points you redeem. Most of 'em aren't a good deal. Some points can be taken as a balance credit, but the redemption ration really sucks.
So it's not just the rebate rates, but how you can actually take advantage of them.
And yes, we pay in full each month so never incur any fees or interest. Actually, I usually make a couple payments each month to keep the balance low so that it won't affect my utilization rate for credit scores.
37' 2004 Newmar Mountain Aire gas, 2007 CR-V toad
Full Time since August 2016