JCB has really good and personal customer service, their limits are usually low between 2k and 5k. They are geared toward Japanese citizens or those who fancy Japanese chain stores like Marukai or Mitsuwa. Even though there is no online account access, you can still use any US online banking system to make electronic payments. Overall, if you like old school good service and no gimmicks, this might be the card for you. 3% cash back with a $25 annual fee sounds good as well.