I applied for a credit card with USbank.com because they were offering $200 cash bank if you charged at least $1000 the first three months. I met the requirements only to find that I have to take a $200 credit on my charge card.
My dogs have several vet appts. this month; rabies shots, heartworm tests and grooming, so I am going to use my $200 credit for that. I have a "pet fund' and I will take the $200 from that to add to my $20 challenge. Needless to say, I won't use my usbank card again. I prefer credit cards that actually send you back a rebate check or at least credit your rebate to your checking account. Both my capital one credit card and my quicksilver credit card pay that way, so I will keep on using them.
I keep track of all my credit card purchases and pay them off in full each month. I just charge to get the cash back.

Prev. total $8343.00
today 200.00
new total $8543.00