I've always felt the cash-back deals were just "feel-good" BS. They charge you a higher rate up front to make up for the money they 'return' to you later.

What rates are the cash-back cards you've looked at charging and why not just go for a lower percentage rate card?

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'05 X3 3.0i Alpine White/Gray Leather/Alum. Trim
Sport/Steptronic/Servotronic/Panoramic
Prem. Sound/Staggered 18" Style 114 Y-Spokes