I definitely give Citicards a 10 out of 10! This is an awesome card and it is my favorite to use next to USAA. I have never had a problem with using this card anywhere. There are never any hidden fees or miscellaneous charges like some other companies. I give customer service a 10 because I have rarely ever had to call them! When I did, they helped me courteously and quickly, and my problem was solved with little headache. I also love this company because if you opt out of allowing your card to charge above the limit, no matter what you will not get a fee! This is awesome for people who cannot keep good track of their purchases to the exact amount because you will not get a hefty fee for surpassing your limit in the rare case a purchase would bring your balance past the limit. Available Rates I have seen slightly better rates with other companies, but this is still in the top three for best competitive rates.