Seems to be a waste of time. The app only uses certain gas stations and as you'd expect my "Normal" gas station is not on the app so I went somewhere else. The 1st transaction went fine but took several days to "Process". In the meantime I made a few referrals to my wife and 2 other friends as you get a cash back amount everytime they get gas but I physically checked with them and they've uploaded and used the app and I've yet to see any reward for this. Very few restaurants and "NO" grocery....