Best of my cards
Best rewards, best customer service, best all-around. My experience (I've had this card for roughly 8 years now) has been continuously positive. I always have more than enough rewards points to pay for the annual fee. We use it for all gas and groceries. I also use it for their special cash back deals and promotions ($20 off of $100, $10 cash back, etc.) for certain brands and stores, though ONLY if it's something I was purchasing anyway. I used rewards points at their rewards store for a $13 Roomba one year (after I'd already paid the $95 fee). That's right, a $500 Roomba for my wife cost me $13.XX! As with any credit card, you don't treat it as "credit", you treat it as cash and budget. We carry no balances on credit cards and this card has a limit of almost $30,000. Budget your groceries and gas, and pay for them with this card. Then pay it off each month and enjoy whatever you want with your rewards. It's that easy. If you're using any card to pay for things that you "want" and didn't budget for, you're doing it wrong and you should not use cards. Just a little practical advice.