Pros: 1% Flat Rate Rebate
Cons: Must Redeem at True Value once a year
I have this card for one year, and decide to drop it, and choose a cash rebate card instead.
The nice thing about this card is that it gives you 1% rebate on net monthly purchases. The rebate is paid out once a year in the form of gift certificate, and can be only redeemed at True Value stores. There is no limit on the rebate you can get.
For those who do not shop frequently at true value store. This card is not good for you. There are a lot of similar cash rebate card on the market, which give you more flexibility. Besides, the gift certificate discounts the value of the rebate.
This card does not require an annual fee. However, the interest rate is still very high. So make sure you pay the balance in full. Otherwise, the rebate is meaningless to you.
I have no complaints about the quality of the customer service. However, the technical infrastructure of this card is a little bit out of time. There is no online account access, not to say online bill payment.