This card is ok. It does the typical "Earn 5% in the first 250$ spent in X category" but this is nothing like my Chase Freedom card that pays 3% on my top 5 categories (With checking increases categories). That chase card alone gives me over 1,000$ a year in rewards without a dime of interest. If you want to play the game of "Sign Up for X Category" and want to try and keep track, then this is the card for you. But if not, look for a card that gives decent rewards (2-3%). (Please note the Chase Freedom Card no longer offers the 3% back for life. Existing card holders still have this offer.)