They are by far the worst when it comes to CC rewards and bonuses. As a mini expert on the bonus game, my wife signed up for the AAA(ny driver member) advertised in the AAA magazine spend 500/90days get a 100.00 grocery GC. She started spending and we based on my expierience i thought i better email CS, Good thing, their reply was "we are not eligble". I immediately responed with a screen shot of the AAA online mag. and their ad stating that. I then got an email saying we are eligilbe. We did the 500.00 spend and I emailed them last week about how I get the grocery card-- they told me to be patient, it will arrive soon. Its like pulling teeth, Never open a rerwards card with them