I inquired about the card as well. My wife and I have a Citi Diamond card we have had for about 10 years, and while we don't get any rewards or points on it, we do have a very low rate and no annual fee. The rates on this were prime + 8%, no fee for the first year, then $90 a year thereafter. Seemed a little high. We don't carry over balances, but considering the difficulty getting reward tickets, this definately makes up my mind.