I have the card for several years pay it off monthly.Yes they do have perks they have done free things at Christmas if you spend so much on the card you get something for free.I think one year it was a snow globe.
I just got my new card really cool looking !00 years of magic card.
It is not a card you want to keep a balance on though due to high interest rate.
wonder if anyone has ever tried to get them to lower it?
Mal