<prompt> Human: Hi there! Me and the wife are planning on getting a cash back credit card and were looking at the Costco visa card. I was just wondering if there was a better card out there? Thanks for any input!  <response>: Wow - my first lurker post. I felt strongly enough to actually join a conversation on reddit yay!. Do not sign up for this card in December - aside from January, its the worst month to get this card. Cash back is actually classified by Costco as a REBATE.This is important, as it can only be cashed in the form of a paper-check, and that check is ONLY sent out in February of the following year. With this in mind: If you signed up in December, youd get one months check December spending of cash-back mailed to you in Feb 2017, and the remaining 11 MONTHS of cash-back rebates in 2018 in February... assuming youre a member in 2018 by having your account auto-renew. However - if you decide mid-year 2017 that you no longer want the card, or the membership - you will forefeit all accrued rebates. Thats right - if youre not a member when February rolls-by, you dont get your paper check and the money you earned for 11 full months is gone.So if you really want this card, get it LATE February.Youre rebate check will come early-mid Jan-February, you can cash it out, AND you can close your credit card without losing all your hard-earned ahem rebates and save yourself 55 bucks if you decide to abscond from costco.Bear in mind - things may have changed for the better since after the merger, but Im fairly sure the rebates are still only sent February. If someone has different info Ill concede the point graciously, but thats my two cents...whew! Ok - Lurker, here signing off... 