Really too soon to be a great judge, but I got money back on only one out of three restaurant visits. That's disappointing because it looks like that's the best way (if it worked) to earn cash back. And I went to those restaurants because of the app. Well I'm updating 5 months later. There were decent money back options when your new, but now it's not worth it for the gas part. Cheaper at Costco or Sam's. The restaurant app is hit or miss to earn money. And that's were you would earn the most