The content is accurate at the time of publication and is subject to change.

Well, the earning rate is equal to 5c per gallon provided that you purchase 45 gallons or more during the billing cycle. You can earn a maximum of $99 for 12 months.

If you want more flexibility or are frustrated with the complex terms of the card, you may want to consider other cards with rewards. Specifically, we would like to suggest getting the Discover it® Miles card. This card will allow you to earn unlimited 1.5x miles on all purchases, including gas purchases. It won't make you to pay any extra as it has no annual fee, and you can spend earned rewards on travel or anything else, including cash.