Cool concept that's almost fun but.... Auto deducted the Pro membership before the NFC card came in the mail thus having me spend money that didn't count for much, then when I cancelled the subscription just so it wouldn't auto deduct until I was ready, it even stopped the membership early that was in play, wasting money already spent. Also, some features didnt seem to work when I tried them, and signing up for memberships to partner programs you don't want garners points. Disappointed.