Isn't the transaction fee 3.5%?
I have never seen a card that offers that much of a reward for all categories.
If you pay cash you aren't getting your money's worth!
There is a carwash in-town that offers a ten-cent discount for cash, although that has been a bit of a hassle, even when Accord money is burning a hole in my pocket.
Meanwhile, Walmart often charges more in-person, so you need to have orders shipped to your house to save money--or pay for the subscription service.
Let me enter into a long-term commitment with Walmart!
[shudders]