I have to make a correction for those that are saying that they report to Transunion; they don't. This company reports to EQUIFAX. All you do is pay 24.95 per month and this card becomes part of your credit report. If USED PROPERLY, it will RAISE YOUR CREDIT SCORE. I've had it for just 4 months and It has raised my Equifax score very nicely. Also, I recently spoke to a represenative on the phone and they raised my limit from 500 to 1000. This should even improve my credit score more.
Where the items are concerned, they're not the quality of Fingerhut, however, they're not expensive items and you may find something interesting.
Worst case scenario is pay the 24.95 per month and don't use the card because it raises your EQUIFAX score and gives your credit report some depth. How is this a scam? It's benefitted me. Credit is so very important. This is a worthy card although some bash it, which is ridiculous.