All I know is that the few times I had to call, I had good customer service. Took one star away because they went from 10% to 5% for the 5% back in points at time of redemption. I got this card for when I was going to Europe. It's pne of the few cards that has a PIN. This necessary when purchasing from a kiosk. Especially when its a train ticket and there isn't a counter nearby.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* intro for 12 Billing Cycles on balance transfers made within 45 days of account opening
- Balance Transfer Regular APR 18.24%, 22.24% or 25.24%* Variable
- Annual Fee $0 intro, $89 after first year
- Purchase Intro APR Not Applicable
- Purchase Regular APR 18.24%, 22.24% or 25.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Don’t bother with this card unless you like being in a good standing and having your card declined without reason. I have had this card for a year and have had it declined 3 times without a legit reason. The first time this happened to me was after I made a large purchase ( flooring) and immediately paid my 10k balance off. My payment cleared through my bank and my card balance was at a 0 balance yet they continued to put a 7 day hold on my account for “making a large payment”. Seriously?? The second time was without any warrant. Account in good standing, with double min payment made every month. The third time was after I shopped online at a department store that was out of state, and then tried to use my card at the grocery store. The deemed this shopping as “suspicious” and instead of calling to ask me about it, put a hold on my account. If you are a customer who likes to use their card to make purchases v as a slot holder in your wallet then this card is not for you.
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Sample Size: 1,875
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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