I hate cash and always use a credit card if possible. I get 2% back on gas and 3% on groceries on one card and 1.75 on anything on another. I have no clue what the interest is on any b/c I pay them off each month but get paid several hundred a year to use them. I hate having cash however if I have to I bank with PNC so there is no charge from them and at the end of the month if I do get charged to use a atm they give me back the other banks fees. I am sure they will only do this so many times a month however I only withdraw a couple times a year so its fine.