I've loved my hess card, as it has save me hundreds of $$, but now they are notifying me that the 5% will be reduced to 3%. I think past and reliable customers should receive some consideration, in spite of the present economic times....?? At any rate, they used to be the greatest thing that happened, especially when gasoline rose so high. At least I was getting the largest discounts and $$ which seemed like a great benefit. I still use it some, but along with their prices going up higher and now their savings reduced, I don't know if it's worth staying with them.. I'm shopping around, as that is what we Americans do - keep our minds working and heads up high. Yes!