no annual fee
Not an exceptional card by any means. Rewards at 5x rate look great but it is limited by category: gas, drugstore and groceries and by time - this high rate applies only to the first 6 months of the account. After 6 months pass, you are left with a mediocre 1x rewards rate on all your purchases. No annual fee is great, but no sign up bonuses or spending bonuses makes me yawn.