I have an AMEX Blue card which allows one to make partial payments but the interest rate is high. I use it because it's a good cash back card and you get 6% cask back on grocery store purchases up to $6000/yr and 1% after that. Gas is 3% and all other purchases are 1%. This card costs $75/yr but the 6% cash back on groceries easily pays that and more. Both supermarkets we shop at classify their purchases as groceries, not merchandise, so we take advantage.