I have an earlier iteration of this with a lower cashback rate and no annual fee. I have to spend over a certain threshold per year to unlock the marketed cashback - it's substantially less below that spend.

One thing that should be made clear is that the cash back is not on groceries, it's on purchases made at grocery stores. Groceries bought at Wal Mart, Costco, Target, etc. don't qualify. Similarly, the percentage cashback for gas doesn't apply to gas stations attached to other stores, e.g. Murphy, Kroger, etc.

I suppose this card could be different, if so it might be worth the annual fee.