The Ally cash back credit card is a pretty good option considering the simple cash back reward system that it comes with. When you make purchases with the Ally card, you will earn 2% cash back at gas stations and grocery stores. In addition, you will earn 1% cash back on all other purchases. Additional benefits that come with this card include no annual fee and a 10% Ally deposit bonus when you deposit cash into an eligible Ally bank account. Aside from this, you will also receive a $100 bonus if you make $500 in eligible purchases within your first three billing cycles. When it comes down to whether I think you should apply for it, I would need to specifically know what it is you want out of your credit card. One thing I want to know is what were the other cards you were considering applying for. If the benefits of the Ally card seem to outweigh the benefits of the other cards you were interested in, I would recommend applying for it.