This company turned out to be a joke. I paid premium for my card to get 1-2% on groceries, fuel etc. Now, they came up with monthly plans and my plan doesn’t earn money back anymore. They become really greedy. Their credit building plan is also a scam. They go one point forward and two points backword so that you will keep paying them. I have to say during the last 3 year, I received over 600 dollars but paid them 50% of that so really you in 3 years I only got 300 dollars back . I am done with them.