It is a good card as long as you can pay off the balance every month. If you can't, you are going to pay 25% interest on your balance. When you use the card at Amazon, you get 5% back the next month. It used to be 3%. Gas stations, pharmacies, and restaurants are 2% back. Everywhere else is 1% back. It almost is the only card I use because of points. Let the point balance build up and the points can be used to buy merchandise at Amazon.