I love cash back. Probably made over 10gs of cash back between my wife and I over the past ~12 years of having a credit card. Now that we have an amex and get 2/4/6% back, we use it for everything and pay it off. I can't understand why people who aren't terrible with money don't do this. I have a cousin who doesn't even have a credit card and I know another friend doesn't use his...they use their debit card, which has no fraud protection and no cash back....