Sine all credit cards do the samething and have basically the same features, the one thing that sets one apart from another is customer service. I get great customer service with AFGE. I had a couple of unauthorized charges that put me over my credit limit and caused me a service charge. After I showed proof that the charges were not mind and were cleared by the vendor, I was given a prompt credit and the service charges were erased. I was going to be late with a payement once. I called them and they agreed to waive the late fee.