Not the best credit card. I only applied for it because I purchased a BMW a the dealership. They never increased my credit card in the 8 years I have had it so that's a negative. They reported me late and I have NEVER been late they are horrible to deal with. He only reason I won't close it is I don't want a negative hit for a closed account with 8 years of activity. Many other cards offer better features and rewards I would look elsewhere.