This is my all time favorite card! I have had this card for almost two years and couldn't pass up the sign up offer. They offered to double your spend from the previous year on another rewards card just for signing up for their card. I received over $700 in rewards to start and continue to earn 2 points per dollar spent. This is one of the best offers out there. Using the purchase eraser to cash in your rewards on travel is very easy to do and the best value offered on the rewards. I have been an avid credit card user for 25 years just for the benefits of the rewards, never carrying a balance, letting the credit card companies pay me. You can't go wrong with this card. I highly recommend!!! Customer Service I've only called customer service once and they were most helpful and friendly. Available Rates I never carry a balance so I can't really comment on the rates but I do know they have one of the best reward programs out there for your money!