Originally Posted by silver6054

OK, not sure why that is significant! The point is until you spend $6,500, you won't be getting 5% on groceries, gas or drugstores, you will get 1% there and 0.5% elsewhere.

So to make this card worthwhile, you have to spend that much, and for most of us, wherever that spend is done, on that $6,500 you get a lower return than you would on your current cards. It's not huge, but something to take into account.