I have been a customer with Citibank since college. That's over 25 years, so you can say I have been loyal to them. Over the years they have added some incentives which make me more likely to stay with them. Granted, they are similar to other credit cards in their interest rates and payment schedules. They are flexible when paying, once or twice I was late with a payment, and even though they put a service charge on my account, after I called they promptly took it off. That to me is great customer service. My favorite thing about this company is their ThankYou points system. It is very simple. Every time you use your card for purchases, like gas or groceries, you earn reward points. You can use these to pay off your monthly balance, or just let them add up and use for other things. Recently I learned they can be linked to my Amazon.com account so there are always a few dollars in that account from all the things I have charged This is a basic card with nice perks.