I happen to love to read fiction, therefore what better credit card is there then one that gives me $5 certificates to spend at a bookstore? It is such a great gift to myself. There has never been any trouble in receiving the certificates, they are included along with the bill, and there has never been any trouble in redeeming the certificates at the Borders Stores. The few times that I have contacted the Customer Service department with questions and/or problems, they have always been most courteous, knowledgeable, and helpful. My questions and/or problems have been solved very quickly and to my satisfaction.