Idk, I prefer my Citibank 2% cash back. I then use that cash to pay tuition (or whatever expense I want to mentally count it towards.) This card offers .25% cash back, except select merchants, where it seems to hover around 2%. I know it says up to 30% but I hadn't been able to find which merchants offered that much (granted I gave up pretty quickly.)

some local merchants where I live have offered up to 9% for specific schools

The merchants give the cash back, not the cc? And they're able to change it based on which school? Never heard of something like that, I'm so curious how the money flows

0.25% is criminally low, although I'll forgive them since it's a debit card, which generally doesn't offer anything

This website does not give me faith this company will last. It seems way too complicated to find the merchants that offer the high cash back. I can't imagine this lasts