The chase mastercard is worh having because it rewards you for using it. When buying gas or groceries you earn five points and all other purchases you earn one point.  When reaching 5000 points you can turn them in for 50 dollars or if you want you can use the points for something else. I have found that most stores accept the chase card.  It also has easy access online so you can check balances, pay monthly and also check to see what promotions that could be offered. When calling customer services it has automatic features but when speaking to a customer service member they are willing to help...