This thread is designed to be the definitive thread to compare credit card loyalty programs to give those milepoint.com members the information needed to make an informed decision about which program is best. I prefer credit cards which give a percentage of cash back for every dollar I spend instead of earning points and miles, such as Discover. I know this goes against the grain of some fellow milepoint.com members, but I like the flexibility of cash as opposed to the restrictions of how and when I can use points and miles earned from credit cards. Please ensure that your information is as concise and as easy to read as possible so that it will not be as difficult for fellow milepoint.com members to decide. Thank you in advance.