When I had to choose which card I wanted for my first credit card 3 years ago, each bank was telling me all the different rewards I could get. Frequent flier miles, discounts on merchandise, etc. I went with plain and simple- cash back. On my credit card I get:

5% on company purchases
2.5% on travel and dining
1% on everything else

It doesn't seem like a lot, but it was really nice to get a free $25 check every month or so.

My ex (boyfriend at the time) had the most wonderful idea... since this money is free and you don't really need it... SAVE IT! Since January I have not redeemed one dime from my Credit Card rewards and now I have a great lump of money that I can use on Holiday shopping! This way I'm not taking any money away from my regular month budget OR my savings. Best money tip I've ever learned!