IBD note: It looks like you do not really know what card (with or without fees) you will get when you apply for this card.
You will receive 3% earnings on gas purchases at gas stations and 2% cash back on all other net retail credit card purchases charged to this credit card, redeemable for cash (with a maximum of $400 cash back annually). Cash redeemed in $25 increments. Gas stations are merchants that primarily sell vehicle fuel for consumer use. We do not determine whether merchants correctly identify and bill transactions as being made at a gas station. We reserve the right to determine which purchases qualify for the Cash Back Reward Program. Upon approval, you will receive the Rewards Program Rules.