Noticed a side link to this card again. This is a very good card for those with discipline. It is free, give 5% rebate on up to $600 spent on gas and groceries for each of the first 6 months(They automatically send $50 each time you earn it). They say 3% for on gas and groceries thereafter but I have found that with bonus points it stays near 5% all the time. 1% for all other goods so I only use it for gas and groceries. Not sure how they determine bonus points.