Great fuel benefits, good customer service
I have had this card now for a full year. I have the $0.55 off per gallon bonus offer. It works like this, as long as you have 100 fuel points from shopping in a Smiths/Kroger, you get $0.65 off per gallon, up to 35 gallons. My wife and I fuel up at the same time to make sure we get the full 35 gallon reward. If we are ever short, we'll buy an Amazon gift card in the Smiths and that will ensure we have 100 fuel points. We've only done this twice in the past year. We shop Amazon a lot and always buy Amazon gift cards for our online purchases. Smiths offers either double or 4x rewards on gift card purchases, so this is super convenient for us. We have many times have had between $1.05 and $1.45 off per gallon. This has been a huge savings over the year for us. In December, I missed a payment online. The bank is US Bank (which we don't use for anything else) and it isn't as easy as Capital One to login and pay. It was my fault and I noticed it when it was 2 days late. My card was immediately deactivated. I called the customer service, owned up to my mistake and asked for a waive on the late fee and interest fee. They gladly did this for us. I made an immediate payment online while on the phone with customer service. It did take 3 days for my card to be active again (payment had to post and clear). I'm not a big fan of the US Bank website as far as user ease. But the massive fuel savings from this card is incredible. By working their system requirements, we saved an average of $35 per week on fuel. Think about that... $1800 in fuel savings. No annual fee. And a forgiving customer service. For transparency, I pay my credit card off in full at least once per month, and before it's due (except for the 1 time in Dec.) So this card cost me ZERO in fees. I was able to set up online pay by logging in, selecting the account, selecting to draw from my checking and payment amount. I think if you properly put in the time to learn this card, it will save you a bunch.