I normally wouldn't sing the praises of credit cards, but I just have to in this case.

In the last year, I've been used my citibank dividend card quite a bit and paying the balance off monthly. I've used it to buy components to build machines for family/friends and charged $500 -$700 a pop for those items. I've charged other stuff when I wasn't sure on the spot how such an expense would affect the checking account, then just got home and figured out how to pay it off within the month. Since it's a dividend card I get a cash back bonus like a discover card. I got a check in the mail on saturday for $102 cash back reward. <img src="http://216.40.201.38/contrib/guus/ogen.gif" alt=" - " />