Hi, Does anyone have experience using this card? The rewards dollars appear to last for four years and you apparently receive rewards in $100 increments, but I can't find much more information besides that. It seems rather inconvenient to only get certificates when you reach $100 of rewards, but maybe I am reading that wrong. I have plenty of other rewards cards but I am interested in the 3% on all purchases and being able to use the rewards dollars towards buying a new Subaru.