My mom introduced me to the Professional MasterCard's Credit Card about three years ago. I was just getting into having more then one credit card to build up my credit. I love this credit card because, not only does it pay for my things but it also gives me about thirty days to pay it like all credit cards. **BUT**... the best part of this card is that for every dollar spent at a restaurant or coffee shop it gives me three percent back, actually now to think of it, I think I get five percent back. After building enough points, I'm able to redeem the points for gift cards:) I usually get gift cards like Chilis, Old Navy, etc.... The system works like this: there's a website called thankyounetwork and you register your card there and it tallies up your spendings and then you look through the site to see what you want, add it to your shopping cart and check out. The gift card/s are to you in no time. Probably a couple of days or so. I wouldn't ever get rid of this card because I'm always eating out, lol.