Source: William Baldwin, Forbes (MSNBC.com) ( Free Registration )

Do you pay off your credit card balances in full every month? Do you like tax-free income? Then I have a deal for you: the best cash-back credit card out there.

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There are two Americas. One is Spender America. This part of the country carries $830 billion in credit card balances, struggling with stiff interest rates and never getting clear of debt. Americans owe $10 trillion on their mortgages, and, despite desperate efforts by the government to inflate housing prices with subsidies and bailouts, a lot of these mortgages are for more than the houses are worth.

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