[ahortin]

I think cash-back's can be good if the incentive is enough. I've seen some product cash-backs that convinced me to purchase the particular product over another and others that aren't worth the paper they're written on.

To be honest though, I think it kinda defeats the purpose if you have to "subscribe" or pay a fee to be able to receive those cash-backs. A bit like those "entertainment" books that are available around this time of the year, advertising 1000's of dollars worth of coupons. Most of the time you rarely use even a couple, whether it's because of the (lack of) savings or simply because you don't require the product.