The single best thing about this card:

If you're enrolled in the drive rebates program, they reimburse you $.01 for every mile you drive. You simply fill out an original enrollment form, and then update your mileage periodically by sending in a car repair bill that lists your current mileage. I do this every time I change my oil. So for the cost of a stamp, I get $40 every oil change (every 4000 miles). This money can then be used toward the purchase of a car, or for reimbursement of car repair bills. So basically, every single oil change I get is free. I haven't heard of any other card that gives you rebates even when you don't spend money.

And the general rebates are great too! I've had this card for 7 months. For the first year I get 1% back on all purchases, and an additional 5% back on groceries or gas. These rebates can then be used toward car repair bills, or a new car. I just had my front axles replaced on my car - a $200 repair bill that was completely covered by the rebates I had earned. This card has basically become my car repair savings fund.

Cons - the statement is difficult to interpret. They do not clearly designate which purchases qualified for the general 1% back, and which qualified for the extra 5% back. I think there have been several grocery store purchases that I only received 1% back on - but without spending hours on the phone with a customer service rep, this is hard to prove.

Recommended: Yes