I have a chase CC we just switched to the Freedom rewards account that is totally free no yearly dues.
Last night I learned that until the end of March you can get 3% back on certain things that you purchase like utilities or day care etc.
It doesn't take much to earn points it starts at 1500 for GC etc and since it is paid off every month not a big deal for us. I figure if we have to have a credit card I want one that rewards us for using it.
This sure beats the discover card that my DH used to use all the time. So this will be a great way for us to earn free GC for Birthdays or Christmas or just cash it in to pay for a tank of gas. I am always surprised at different ways that we can save.