This card is only able to be used at their online outlet store and there is a monthly fee. Both of which I wasn't aware of when I applied. The cancellation process was frustrating as I'd expect any credit card cancelation to be. I was transferred three times and each time they lectured me on how many benifits I'll be losing although I have those benefits from elsewhere already and told them that multiple times. If you want to get your monthly fee down and extend your credit limit just call to cancel and they'll bribe you.