The QT rewards M/C is nice, but there are a couple of hassles you need to be made more aware of. If you use it at the pump, at least $100 will be frozen in your account for FOUR DAYS. There is a spending limit on it that is VERY strict so if you travel with it, this card may not be enough. And all their operators will do is inform you, they really cannot do anything for you. And then there are the fees... You HAVE to know your account balance because this card will still process through, but without telling you and will then eat you up in fees. It was NOT worth it to me and I cancelled mine....