We cross posted… I didn’t

[UCGal]

We cross posted… I didn’t see your first “I see” till after I’d posted. Sorry.

And I totally agree about the costco amex being one of the better paybacks… 3% on gas that I’d be buying anyway… I’ll take it.

It works as long as you pay off the bill every month. If you have credit debt your best rate of return is to pay it down.