not there

The Schwab does appear to have the normal 25 day grace period according to the application so you might not want to cancel that card just yet. People on the Money board on this site seems happy with it.

https://wwwa.applyonlinenow.com/USCCapp/Ctl/entry?pid=dp&sc=FACYR4&style=ECOMM&env=prd

We're in the middle of applying for the Charles Schwab 2% cash back Visa card to supplement our AmEx True Earnings card (which gives 3% back for gas and restaurants). We had a Schwab brokerage account many years ago, but closed it and transferred the funds out, because it used to have a high annual fee. The new Schwab brokerage account has very favorable terms, and as others have mentioned, no minimum deposit if you link it to the Visa card. I wanted to add that we had frozen our security / credit accounts. Schwab allows you to select one credit bureau that they will access. I selected Transunion because they currently are providing a security (credit) thaw for free! I initially tried a selective security lift, but Schwab has no idea how to enter the access code, so I've now requested a global security lift.

2% seems like the best offer yet for cash back, as most others require you to charge at certain retailers or categories. I have a Shell gas card thru Citi that rebates 5% Shell gas purchase for credit, but only 1% on everything else.

Just confirming what Kim said, the $1000 deposit is waived if you first apply for the visa card and are approved. http://www.schwab.com/public/schwab/banking_lending/credit_card/credit_card_faq.html?cmsid=P-2874625&lvl1=banking_lending&lvl2=credit_card&

Sounds great but I do not have the $1000.00 to open the required account to apply for the card. Thanks anyway.

My US Bank visa offers money back similar to the above mentioned Pentagon Credit Union Card. The only glitch now is you have to request your money back. Formerly, the money would be automatically sent to you when it reached $25.00. We use our cards to pay for everything, and we pay them off every month, so it's a great way to take advantage of the cc companies- they certainly take advantage of plenty of folks.

The Pen fed card works really well - it's a VISA card with 5% back on gas, 2% on supermarkets and 1.5% on everything else. www.penfed.org

I have been using the fidelity visa card for over two years

nothing NEW at all Dopey

one of the best deals out there now is the Discover more card offer. until the end of the year when you sign up it offers $100 cash back when you spend $500 in the first 3 months...you would have to spend $5000 to get that much from a 2% card...also they have a tease about 5% back, but it's only on 3 catagories which change every 3 months, and they cap it where it only allows you $20-$40 back at 5% ...but you can use it to get the $100 and then put it up or only use it for the current 5% catagories....I also got a chase freedom card that offers 3% on the 3 catagories you spend the most in every month (from a list of 15 catagories) it offered $50 back after first purchase....there are plenty of these cards out there and if you got good credit you can get any of them, use them to get cash back, cancel them , and get another card with sign up bonuses...a regular savings account would have to have 10k+ to earn the kind of interest you can get from these offers, and other than paying for what you buy , you don't have to use your money to earn the cash.