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 six months and I've gotten back over $300! The only catches: You can only "earn" up to $300 per calendar year and you have to either call or use their website to request a check after you get over $50 in dividend dollars (every statement tells you how many dividend dollars you've earned). 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.

Learn more about this card and other cards that give you lots of cash back in my Credit Card "Buying Guide".