I have this card. Those statement credits really do add up at the end of the month. You think that $.10 per gallon isn't that much but if you have to drive a lot like I do to get to and from work and to and from class everyday, you end up saving about $13/month. That's $156/year I didn't spend on gas. I'll take it! I haven't tried for a CLI yet. My starting limit is 6k but I think I read that they pull soft.