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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 on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when 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.