As long as CS isnt needed it was OK, but now I think all of the Banks are doing the same

I went back to them when they were the only ones w/o an annual fee and no Forex fees. On top of that I get transfer checks every month that dont have any % or fees attached to their usage, which helped me greatly when Amex was allowing weekly TCs purchases. Besides that is the 1 or 2 % cash rebate

So all in all I dont have any complaints about them , since I know what to expect if CS is needed and its not much better elsewhere except for Amex. And no Forex and the 1+% rebate is just fine with me