<prompt> Human: USA. Citi Dividend Card. 23 years old. 726 credit score 2yrs credit age; only 1 credit accountCard benefits are 1 back 5 back on select purchases assuming you opt-in every quarter I do. So Im obviously not hitting the select purchases very often.I exclusively use the card for gas QuikTrip and BP and groceries Target and Kroger. Something rubs me the wrong way about store cards i.e., Target Cards Gas Cards: giving information, security, exclusivity, high APR if credit, etc.Should I care more about getting a higher return or stay content with my 1 and add it to my savings?  <response>: You can find cards that do 2 on all purchases. Or you can play the monthly category game better than you currently are. Or you can just not give a fuck. 