I've had my Citi card for over a year now and I still get excited knowing that I earn points that I can redeem for giftcards. I also have a Discover card where I get cashback but their "partners" list is limited. Citi has a long list of places I go to frequently. Just to name a few: Old Navy, Target, Sears, Dillards, Olive Garden, TGI Friday's, Foot Locker, etc. You get the idea. They are always so helpful when I have questions. You can even get your picture on your credit card for extra protection!