I have had this card for over 10 years – cannot be beaten for convenience and low-cost fee. If you’re the kind of spender who doesn’t like being in credit card debt and can pay your balance off each month, it’s an excellent product but beware the fees and interest if you’re late to pay! Always handy to keep in case of emergencies too (for example… your other bank is “offline”). Convenient for large purchases and Falcon monitoring system is a great reassurance of security. I do miss the days of their custom photo “ Design A Card “ feature though – would be nice if that could be re-introduced.