aero13713

I have had this card for more than two years now, and use it for over 50% of my daily purchases. At the time I applied, they were offering a 10,000 point bonus. This was my first line of credit and had no issue getting approval with a $1800 credit limit. The 5 points per dollar on food and entertainment is very good (especially as that is a large part of a college students budget), and it is amazing how quickly points add up. I started off with an already below average APR and now it is even lower since I have recieved the 2% reduction for being in good standing (although I never keep a month-to-month balance on this card). Another plus is that there is no annual fee. Also, the card design occasionally gets a compliment from a merchant. The thankyou reward system is only ok, in my opinion. The best deals (in terms of dollar value per point) are the $100 (and up) gift cards. However, I can only see the $100 if I am logged out of the system, as once I sign in, the highest is almost always $50, even though I have enough points for a $100 card. The only experience I have had with customer service was when they recently called me due to "suspicious charges". I didn't see why they thought that, but they called me right when they placed a hold and we got everything squared away quickly and without the embarrasment of the card getting declined.