<prompt> Human: So I pay attention to which credit cards pay which incentive and try to use the right card at the right time. I pay off all my balances each month. However, Im an accountant and I started going back and actually calculating the fees. One card promises 537; back on gas and 237; back on groceries up to an annual limit but has never actually paid that... its only paid 437; and 137; respectively. I complained and although theyve told me they are investigating, that is all Ive heard. So I looked at another card that promises 537; back on gas. Its paying 437;. I havent looked at my other cards, and the actual amount of money is small - if they promise to pay 537; up to 3,000 of purchases and are really paying 437; then thats 30 a year. Immaterial in a dollar sense... but misleading. Thoughts?Update: Thanks for all the feedback. I think Im just going to switch over to using my Alaskan Airlines credit card for everything except CostCo purchases and not worry about the tiny amount of money involved. Assistant: Which bank, or cc issuer?In general youre not going to run into that problem with ChaseCitiAmexDiscover. Their cc products are so widely used that its easy to find data points online about which specific stores count for the higher reward rates. Human: Amex. I was wrong about the CITI Visa - it is giving me what it promises. Assistant: Citi only has one Visa product that I know of, the Costco card-- is that the one you have?And whats the Amex card?Human: Yes. I just checked, CITI is paying what it promises. The Amex is from USAA.  <response>: The Citi Costco card is 4 back on gas. 