I've had this card for roughly 3 years, and it has become my go to- with one caveat. Benefits: 1. As punishment for paying off my car, my score hit 740s/50s. They are diligent with reports, and they make nice remarks each month for other businesses to see. My credits now 780/790s thanks to this card (and, of course, paying to a zero balance/keeping under 5% use). 2.Outstanding customer service. Honestly, I think the longest I've waited was 3-5 minutes. Reps are courteous, knowledgeable, and readily available. For example, I woke up at 1230am to a phone alert for Uber charges (this card offers immediate message updates for all account activity). I immediately notified the fraud department. By the time I woke up in the morning, the charges were gone. 3. Sign-on bonus points. 4. Capital one shopping. After I received my card, I received an invite to shop through capital one. Once activated, coupons pop-up when you look to purchase items all over the web. I've recently saved 5% on random small gifts, 15% on recurring dog food and treat purchases, and I even saved $99 on my couch (pleasing my inner penny-pincher). 3. Cash back points can automatically be applied to all Amazon purchases at check out (which is where the majority of my points go to). 4. The card is heavy- it's weird to mention, but card handlers frequently compliment me on the look and feel. 5. All card info is discretely placed on the back. The subjective: 1. I enjoyed using my points for a full hotel stay and car rental (I received another great discount for my car rental). However, I will look thoroughly before I purchase through their travel company again. My first trip with this card, I redeemed my points and booked directly through them. I blame my ignorance for not checking other options beforehand, but I took a 400 dollar hit when I looked at the same seats and car rental after.