They let someone in the USA (we are in Australia) pay a Netflix subscription with it. This was new, so it wasn't one of those inherited authorisations that sometimes exist when a card switches over. So not only did someone get the card number from a card that was never used, they let the transaction through when it was never activated.
It took numerous phone calls to sort out. Every time we did, there was a rounding error due to interest, foreign currency fees, etc, which meant we still owed money despite the only transactions being unauthorised. The ladies in the Philippines were nice, but it was ultimately an annoying ordeal.
The only reason I use them is for their 2% cash back on everything, but I have stopped using them for any non-domestic purchases.
You can get more than that, see https://www.reddit.com/r/CreditCards/wiki/list_of_flat_cashb...
If you click through the links to the bank websites, they say:
2- It shows the card is actually 1.5%
3- It is actually 1.5% (only 2.5% on the first 10K)
4- It is actually mostly 1%. (3% cash back on gas and EV charging and 2% on utilities and groceries (with a combined $1,000 monthly spend cap)—and 1% on all other eligible purchases)
5- Also 1.5%
Didn't keep going.
What about the first one? It says "up to 3 points per dollar". The words "up to" sound supicious. And what is a point worth? I spent 2-3 minutes on the website and didn't find answers to any of these questions so I concluded it's not really 3% cash back. Perhaps I'm wrong on this one but when they make the info so hidden it usually means there is a catch.
Hence your confusion. Read the footnotes. The 1.5 is actually > 2 if you fulfill the criteria, that's all it depends on. It's not that complicated, you just need to spend more than 30 seconds on researching it if you really want the cash back.
As for the 2.5 one, it's 10k per billing cycle, I believe. That's a $120k/year limit... if you're putting that much, well, you're in the minority, so to speak.