Thanks. I appreciate it. I'll track the $$s starting next month, right now its 20 txns I need to track (I"m admittedly horrible at the tracking part) for the next 30 days - 1 down, 19 to go.

Unfortunately for the gas, the nearest Costco gas is too far away for me to make it my regular station but I do use it whenever I'm out in that direction. I'll think about Citi, but didn't like them years ago as a company so not sure I"m jumping on that ship now.