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