I have used Amex Blue Cash back for the last year. Rates are tiered so you have to be a high spender, but once over the minmum of $6,500 you start getting 5% on everyday items. For the 12 months just ended in January I spent just over $20k and with my spend pattern got a cash rebate equal to 1.95%. So, not bad for me, and I expect to spend more on it this year than 20k so expect to get over 2%/yr