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I've had this card for a few years now and have never had any problems. I pay my whole balance off every month, so the slightly higher interest rate is not a problem for me. I use it to buy everyday stuff like groceries and my gym membership, and just watch my rewards build up! The points can be used for cash or gift cards. I have gotten a couple checks so far and they are easy to purchase with points and come quickly. The only problem with the rewards points that I've seen is that it doesn't count my Safeway grocery store as a grocery store, so I could be earning my points faster. Also, a few months ago someone tried to steal my card number. They did not contact me, but when my card suddenly stopped working I had to call them to find out why they cancelled the card. I'm glad they stopped it, but wish I had gotten a phone call instead of being stranded without money to pay for gas.
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