If you spend over $6,500 dollars a year on groceries, this card is for you. You will get 5% at the end of the year for groceries and gas. and 1.5% on everything else. If you spend less than that you get 1.5% on groceries which is more than other credit cards pay and 0.5% on everything else. It has a protection that protects you from unathourized use, so if someone steals your credit card and charges it, you will not be liable for the charges on it. I love that card because I in fact spend a lot of money on groceries and getting 5% back is great a.d then I get 1.5% on everything else. I charge almost everything on that card, I also use coupons and charge that card so I get really good savings on annual basis. I had the card for 10 years now and its been working great for me. Customer service at the American Express is very friendly and answers all my questions whenever I need help, especially when you are traveling.