I Love my Speedy Rewards Credit Card. I would not say that the Credit card itself is any better or worse than every other card out there. Interest payment is OK, Customer service tries to sell you other products and its easy to use. Its backed by Chase which is pretty strong financially. The Speedy Rewards program is great in itself in that rewards are many and frequent and the point collecting rewards have many many choices. I have gotten 3 $100 cash cards, 1 $25 cash card and 1 $10 cash card, plus free food and beverages, gas discounts, won small prizes ect. When you combine the Speedy Rewards with the credit card you get even more points faster. Its great great great.