After four years, its time to end this one-way relationship.


I have decided to drop my American Express card (gotcha!). I have kept all the cash-back returns in one place, with a small APY and, after adding all the fees up and comparing, it just doesn't make sense.

What are some favorite rewards programs out there that don't have membership fees?


I don't mind high rates, I pay everything on time and carry zero balance.