I have an HSBC credit card that pays a flat 2% on all purchases for the first 25,000 dollars of purchases every year. I dont like those other cards that scam you saying 5% cash back on the first 100 dollars, then .25% cash back on other purchases. I got that HSBC card about 4 years ago and for the last year HSBC has been trying to trick me into giving up that 2% by sending me those checks that if i cash them, they get to take away the rate. The checks used to be for 8 dollars, now they are up to about 17 dollars. If they get it to 1,000 dollars, then i may take it.