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I find using my Discover Cash Back Card to be easily done. Every where I have attempted to use it countrywide, it is accepted. I like the feature of having a website available when I need it. I can pay my bill online. If I elect to apply my bonus cash back to my account that can be done online, as well. By deducting the cash back from my balance that will lessen my payment that month of course. The best feature for me is not having to pay interest on my account if I pay the amount due in full by the due date. I have another card that you pay the interest on the days that you have a balance during that month, no matter if you pay the balance in full by the due date. That is ridiculous. This practice of other cards is one reason that I have a Discover card. Discover's practice of putting their 800 telephone number on the card has been helpful, as well as printing their website on the back of the card. Both of these have proven to be very helpful for me in the past.