As a contractor, I spend a lot of money in hardware and home improvement stores. I also buy a lot of gasoline for my work truck. That's why this is the perfect card for me - it pays 3% cash back for purchases at gas stations, restaurants, lumberyards, and hardware, home improvement, building supply, and office supply stores (as well as 1% cash back elsewhere). In my business, that 3% applies to almost every dollar I charge! If you're a contractor and you don't have this card, you're throwing money away.