I don't know about the yearly cap anymore...I guess I am going to have to call...Cate said in an earlier post that she thinks they changed this. As far as the extra reward dollars that you get offers for in the mail, the only time this has really worked significantly to my advantage is when I got one right before we went to Disney two years ago and I still hadn't purchased my plant tickets. Otherwise, I just don't spend enough in gas, groceries and eating out to make it worthwhile. However, 2x reward on all overall purchases without a cap would definitely be worth $49 per year.





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