Credit Score: 682 Credit Limit: 3500 Age: 35-44

Posted 07/27 2013

One of the things that you have to be aware of is that the "cash back" is not really cash back. It is given back as a statement credit. My other cash back cards give you a check or even does a direct deposit into your bank account. Will stop using this card because of this.

 

Credit Score: 706 Credit Limit: 6000 Age: 35-44

Posted 01/09 2013

This card has to have one of the worst tier cash back program. I should have read the terms and conditions in better detail

There are actually three tiers. The lowest being 0.45%. You have to spend like $12k before you earn 1% or so. For things like gas, you earn 1% on top of the tiers. So if you are still in the 0.45% tier, you earn 1.45%. You have to use this card only just to earn some cash back.

But when I look at other cards available from Amex, Chase, Cap One, BOA, Discover, none of them have this tier thing. I would say avoid this card if you really want to max out your cash back.

 

Credit Score: 791 Credit Limit: 18500 Age: 35-44

Posted 12/17 2010

One of the reasons I got this card was because I could earn extra points on grocery. But I disappointed on a couple of things.

1. Walmart is not considered a grocery but instead "retail".
2. Because the cash back starts at 0.45% and I spend only about $400 a month of groceries and I use the card for gas as well, the cash back I earn from those are not what I expected. I could easily earn more cash back from another card.