Terrible card. I'm canceling it soon. I get the card two months ago and haven't used it yet. I go to get my account set up for a trip and they already charged me the annual fee and a late fee of 30.00 which hit my credit. I signed up online when I got the card but never got a call, text or email on the past due balance. I haven't been late on any of my credit cards ever in 10 years and this was the first! Terrible customer service.