I have had many credit cards it the past! Visa, Discover, American Express, and so on! I have found that the Chase Mastercard is the absolute best! The reward program is fantastic! I actually have just received a brand new printer from them as a reward. I use my credit card everyday and am very motivated to use it because in the end i know i will get a great reward. I have also gotten gift cards from my favorite stores like Macy's and CVS! There late forgiveness is great as well! Unlike many credit cards that only forgive on the first lateness, Chase has forgiven me many times and has reversed late fees and interest for me! I am extremely happy with Chase Mastercard as my first preference when using a credit card! Customer Service Always available to speak with a live person! Very nice as well! If there is a problem with your bill,.you can just call them up and they do everything in there power for you to have a great experience!