Zero Interest Credit Card

As a student, I'm always trying to save. And as a student, every penny helps. That's why I spent hours and hours scouring different credit card companies for a good rewards card.

First of all, I am very picky. I need some or all of the following features:
1) Cash-back
2) No annual fee
3) Low interest rate, if possible zero percent interest

Now, I hear a lot of people deciding about Visa vs Mastercard. In this day and age, that is not a deciding factor! Both are ubiquitous with merchants; where there's one, there's bound to be the other (although buying olympic tickets were a notable exception for Visa). Plus, what's stopping you from getting one of each?

I'll explain why I need each of these features.
Cash back: Getting 1% on every purchase adds up. Therefore, I pay for EVERYTHING with the card and hold minimal cash. $1.50 coffee? Throw it on the card. $0.50 stamp? Throw it on the card. With a monthly $500 balance, I get back a couple bucks per month which is nice.

No annual fee: This one is just silly. I'm not a consistent enough or rich enough user that I can make use of this. Most often paid cards will give you premium benefits like better rewards/cash back or lower interest rates. But you'd need to spend a crapload for it to pay off.

Low interest rate or zero interest rate: If I ever miss a bill, I need to be able to know that I can make the minimum payment and NOT get shot in the leg for holding a balance. Most cards charge you 20% which is just stupidly ridiculously high. The best I've seen are 11%, some perhaps even lower. If you are a student or someone else with a Part Time job or uncertain job, then make sure you have a good interest rate on your credit card! It will come in immensely helpful during those months you find yourself out of work.

AND finally, the juicy part, the solution:
Enter MBNA SmartCash Credit Card.
It gives 1% on all purchases, 3% on groceries and gas; and for the first 2 or 3 months, you get an extra 2% on groceries and gas (yes, 5% in total!). Great cash back for buying gas which is through the roof lately, as well as shopping for groceries which are always a necessity when living on your own.
Interest rate, I admit, is terrible (20%) but I think the smart cash makes up for it. Oh, and of course, no annual fee.

I encourage everyone to check it out and sign up for this card simply because it has the best reward out there right now. HOWEVER, I have no experience with their customer service so I can't comment on that. And with credit cards or financials, good CS can be a godsend.