it has the best bonus rewards. so if you re the type of person that likes to travelling and eat, go out to dinner. alisyn: i am. it gives you two bonus point for every dollar spent and everything else, one point for every dollar spent and it has a zero annual fee for the first year and then $95 for the next consecutive years, but bonus points start to rack up and spend them on clothes, spend them on travel and it s kind of a good system. alisyn: that s great. and the second best, you say is american express? yeah, if you re a small business, this is great. simply cash by american express opened, great for small businesses, 5% cash back on purchases for office supplies, internet services, and also, there s no limit to the cash back you can get which is great and small business users want that money coming in, that cash flow and no annual fee on that one. alisyn: i like that sound. the third best is the dividend card for college students? if you have a college age student, or