You may think this is the solution to all your woes, but this may not be a wise thing to do, because many, many offers are fraught with upfront fees.

These cards can really help you pay off your mortgage.

If you want to shop around for the best gas prices in town, you're still going to get that rebate.

I would say there are very few fixed-rate cards left.

There are a lot of creative things you can do as a consumer to further maximize your rebate.

You have to think that economies of scale make this more plausible. We've created a behemoth in the card industry through this merger, and things like this seem like a natural progression going forward.