The gas purchases should be fine to avoid the $6 fee/month, I believe. I don't even bother with 1 gallon. About once a week when I need a little gas I pay on my other card, but then I do 2 or 3 more purchases on my Continental Debit for about 5 cents each. When the pump says, "please see attendant" I know that I have maxed my purchases that day. Takes a couple of minutes extra, but not a big deal. You just need to make sure you select "credit" instead of "debit".