This company is awful. They were my oldest credit account, and I have no bad history with them, but they just closed my account. They warned me they would close it due to inactivity, but I tried using the card several times, and each time, the card was declined. Mind you, I had no balance on the card, and I was in good standing. I messaged them to tell them I was being declined and they argued that they did not see a declined charge on my acct. Of course, there is no charge because the cc reader declined every attempted purchase. I even messaged them requesting an updated card with a chip and tap capability, but they told me my card doesn't come with those features. So....I've been carrying around one of their cards that has no modern features, gets declined when I try to use it and then they cancel my account. Don't bother with them. They don't offer any incentives, and their customer service is terrible. Just take your business of being in debt to other people elsewhere.