I'd have to add a vote to the "deceptive" category, and I'm a lawyer. When I signed up for this card, I did know what I was getting into because I read everything closely, but the terms are certainly more hidden than most "hidden" terms in other cc offers. Just look at the ad link on top of this very page at this moment (not to mention all of the "funny" tv commercials, which never suggests that all points from these cards are unequal):

http://citi.bridgetrack.com/USC/05/P...C4BEFB01FFF88#

Anyway, this card has been worth it for me b/c of the bonus points, but I just don't think I'm going to keep it.