If you are able to use the Discover Open Road Card for your purchases, and pay it off each month without carrying a balance, it's possible to accumulate a considerable amount of rewards points which can be used in a variety of ways. You can get cash back, reduce your credit card bill, purchase merchandise, apply them to purchases at amazon.com, or buy partner gift cards. I like to get the partner gift cards because some of them give are great deals; for example, $45 in rewards points can be used toward a $50 Pottery Barn gift card. In addition, if you go to ShopDiscover.com there are several retailers that you can link to from the site and receive a higher percentage of rewards points. Not to mention the main perk, which is that you receive 5% cash back every time you use the Discover Open Road card to purchase gas. I believe it's up to $200 in gas per month. You get 1% cash back on other purchases. The only disadvantage (thus the 9 and not 10 rating) is there are some places that don't accept Discover, only Visa or Mastercard. It's still worth having. Customer Service I have never had a problem with them. They are always kind and professional. Available Rates I can't really speak to the rates, because I pay my card off before having to pay interest.