The cash and gift certificate rewards came very quickly both times I redeemed points, but the credit card customer service is abysmal, as is their online payment interface. I accidentally typed a comma instead of a period in making a $129.51 payment, and they tried to take $12,159.00 from my checking account. I received very indifferent and even downright hostile customer service for hours when I tried to get this fixed, and was cut off or given incorrect numbers several times, while listening to maddening promotional messages on hold, before finally I yelled enough to be transferred to someone...