They don't help you out when you need fraud protection. I bought an ATV part and it arrived broken, retailer took the part back but wouldn't offer a refund or exchange because it had oil on it. It was an oil tank that arrived to me with oil on it. Citi card said the retailer gets to keep the broken part and the retailer gets to keep my money. Was happy with the card until I needed help. Be leaving as soon as I can. Be warned these guys won't back you when you need help.