Everything about this card is awesome, the customer service, the rewards program, the online interface, etc. By far the best aspect of this credit card is the rewards program which is unlike any other rewards program I am enrolled in. You get extremely high earn rates, especially on travel. Redeeming is quick and easy and you can redeem for anything from cash to gift cards from TONS of retailers. You can also redeem for a discount on travel via their website. Customer Service Outstanding customer service. I hardly ever have to wait for more than a few minutes to speak to a real person and they almost always speak clean English. If I have any type of problem, they go above and beyond to make sure I am a happy card member, which I absolutely am. Available Rates I don't pay much attention to rates since I always pay it off in full. But to the best of my knowledge, the rates are competitive with other similar credit cards.