<prompt> Human: It seems like a lot of cash back cards are switching to awful point based systems. Are there still any good cash-back credit cards?  <response>: Ive had a Discover It card for a couple years. 1 on everything, 5 on select categories that rotate quarterly. No minimum cashback balance needed to redeem, and it can be applied directly to the balance. Definitely my favorite card... I use it for pretty much everything and then pay it off every month. And most everyone takes Discover these days. 