The Citi Dividend card is one of the best credit cards you can use. It gives you 5% cash back on gas, supermarket, and drugstore purchases and 1% back on everything else with no annual fee. I've been using this card exclusively for the past three months and I already got my first "dividend" check for $73. The only catches? You can only "earn" up to $300 per year and you have to either call or use their website to request a check after you get over $50 in dividend dollars. If you are married, sign up for separate cards to double the amount of cash back you can make. I can't tell you how easy this is to save a significant amount of money. Much better than the miles cards out there because you get real money that adds up fast.