I just love saving money, so I was enticed to open up my New York and Company Credit Card to get instant savings on a clothing purchase I was doing. I had a lot of back to work clothes, so I was going to save a nice amount, so I went ahead and applied. This credit card has pretty much the standard features as the other typical store cards do. You get a discount when you first open the account and use it, and then on our birthday you get a special disount (20%) off purchase as well. If you use the card throughout the year, and spend a certain amount of money (I think it was a few hundred bucks) then you got back a $10 reward coupon to use at a future time. Periodically you also are sent coupons to use while shopping. If you shop at New York and Company a lot, it would probably add up in savings, but I only periodically stop there when I am in the mall, so its not a huge incentive for me to continue using the card. Customer Service I have never had a reason to call customer service, but they have always been accurate with billing and statements. You can do things online, which I think is the easiest way to fix problems and maintain your account. Available Rates There is no annual fee, but the rates are the standard outrageous credit card rates.