The cash back card with the bank is being quite handy as they allow a flexible regrouping of the cash back options between industries I shop and have more than decent amount of the current partners that you get a huge cashback from. Sometimes it reaches 20 percent and I had used a couple of times great deals they offered. However, I must say their charges are terrible and not always explained to me clearly. I got charges of $9.00 on top of my min payment every time I had my purchase with them. They did not explain to me these charges when I subscribed.