Very difficult to use. Lots of rules such as if you want to make a large purchase you need to call them first. They consider a 24k purchase large. They will lock the card without much reason. Then you have to call their rude customer service people and wait and wait. They don't use text messages to communicate with you like chase or citi bank. They were quick to deliver the cards, but then took 3 months to activate the accounts. Bizarre! At this point I don't even bother to carry the card anymore. Unless you have other cards I wouldn't bother with this one.