I have had this mastercard for about 4 years now and I have had zero problems. I use it to pay almost all my bills and pay it off before the end of billing cycle so there is no interest charged. Another thing to note about this card is, every dollar you spend on it goes toward becoming RZ silver. So you can actually spend "zero" dollars at BestBuy and become RZ silver. As long as you spend $1500 in a calendar year on the mastercard.

If you cannot pay it off before you incur interest and always keep a remaining balance, then this is not a good card for you! You will not get enough RZ certs to offset the incurred interest. There are much better cards out there with lower interest rates.

Just make sure you read the terms and conditions and make sure they work for you! That goes for any credit card!

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