Cash back programs tap into a powerful psychological draw — consumers appreciate getting tangible value from their spending.

Terms apply. The catch? A sizable annual fee. Families can rack up serious cash back. The annual fee is a whopper, but if you spend at least $31 a week at the supermarket, you'll cover it.

Citibank's (NYSE:C) credit card delinquency rate edged down sequentially in December, while its net charge-off rate gapped ...