<prompt> Human: I have read a lot of reviews that say to not buy it at all costs but it comes with a 70 gift card? And none of the reviews actually say why not to get it. Has anyone applied for this card? Is there a benefit?  <response>: I have no idea why someone wouldnt like it. Its the best card I own and the pointsrewards add up quickly. Ive seen several people on here talk about how they love it. Highly recommend it. 