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You're right, you can apply for Ollo products by invitation only. You may consider cash back credit cards from major banks. For example, the Discover it® Cash Back credit card comes with no annual fee and cash back. It offers 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically. Discover will match ALL the cash back you’ve earned at the end of your first year, automatically (provided you are a new cardmember). There’s no signing up. And no limit to how much is matched.