for the unhappy..get a Discover Miles card for 3% on everything..paid at 12 month mark. Then you will get a guaranteed 3% at places that use Square. if you have a Disc card now, you are allowed 2. My entire family is on the 2nd and 3rd year of 3 % miles cards. When the 12 mo. period is ovwer.. another family member applies. Seems easy to get. And if you apply via an Amazon.com link you get 75.00 credit when you make a 1 time purchase at Amazon.. including any Amzn. gift cards.