Now, I’m no novice to the idea of a cash back credit card: I used a REI Visa from 1999-2006 that yielded 1% cash back on all purchases, which added to several hundred dollars each year.In 2006, I switched to a Travelocity American Express that doubles the reward, giving the equivalent of 2% back on most purchases, and 10% back on travel.
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Even worse, bust your limit by even a pound for just one day and you may face charges of up to £25.
When I tried to calculate that as an equivalent APR, the rate was so high that my spreadsheet had a meltdown (meaning it's a number ending in at least 300 zeros, putting even nasty payday loans in theshade).