We use this card to purchase all of our gas. We get 5% back for all gas purchases. We use other credit cards for other purchases, but occasionally use this card. They give 2% back on grocery store purchases and 1.25% on just about everything else. There are a lot of store cards that will give you 5% back, or 5 cents off a gallon if you use their card, but we don't like to carry around a lot of cards so this is card is perfect! We pay the balance off each month so we don't have to pay any interest fees. You are supposed to be a part of the Military to get this card. My husband's father was in the army so he applied for the card through him and didn't have any trouble getting the card. Customer Service Customer service is great and always very helpful. Available Rates I don't pay much attention to the interest rate as we always pay off our balance each month. I am sure there are credit cards out there with lower interest rates, but as long as you pay off your balance each month then this card is the best one to have with the 5% cash back on gas purchases.