This card is excellent. I have it attached to rewards and along with it comes a once a year companion flight. This allows one person to fly anywhere for $90.00. You also accumulate points with your purchases which gets you faster and cheaper airline flights and other offers that they have which are significant. I use this card for everything, not just airline flights, but for hair cuts, and everything else from soup to nuts. Customer Service Customer service is excellent. Whenever I have had a problem with a merchant or anything else, they are quick to respond and find a way to fix it to your satisfaction. If it takes the fraud department, they are quick to employ them. Available Rates Their rates are comparable with the caliber of card you have. If you carry a balance, which I do, you can expect to pay interest charges. One time the services put me over my limit and they charged me an over limit fee, a simple phone call and they reversed the charge.