I have been using this Citi Mastercard for eight years. It is accepted virtually anywhere and it is always fun to see my cash rewards mount up and then, of course, receiving a check.

Also, I have found that their customer service is supurb, always resolving any problem quickly. They are also very good at frinding fraud attempts or checking with me if I am making an unusual purchase. I feel really safe-guarded with them.

I always pay my bill on time so I do not encounter the heavy billing for late payment, over credit line, etc. Check with Citi to find out what these rates are.