Which is better: rebate card or low rate card? Rebate card Low rate card Introductory interest rate   %   % Introductory term (months)         Regular interest rate   %   % Introductory annual fee $   $   Regular annual fee $   $   Amount to be transferred to new card $   Years you'll use card     Future monthly charges $   Future monthly payments $   Percentage of rebates earned on Regular purchases   % Balance owed   % Balance transferred   % Rebates for specific brands Rebate earned   % Monthly amount purchased $   Regarding rebates Maximum rebate earned yearly $   Maximum total rebate $   The rebate Is paid to you each year in cash Is used to pay down the debt at the end of each year