I got this card for a balance transfer deal. It has a decent rewards program, but there are other cards that have much better programs, plus American Express is not accepted everywhere, so that doesn't help either. The issue with the rewards program is that it is tiered (i.e. you don't get a full 1% cash back at the beginning). Customer Service Their customer service is fine. Available Rates It has a higher rate because it is a rewards card, which I don't mind because I don't carry a balance.