I've been in business for 23 years. I look for the best interest rate on a card, no matter what it is. I don't care about cash back because it's never enough to balance the interest rate charged. If ToysRUs had a better deal, that's what I would use.

Now my wife is my accountant and we have a Amazon Visa card. I don't know anything more than that but, knowing how she investigates all that, I know it's the best deal. The only other card we have is a Discover card because that's the only one used by Sams Club.