As much as I dislike their checking account service, I like this card. I have a Discover credit card, which is not accepted everywhere. Between Visa and my Discover card, I have something that I know will work everywhere. In my location, Wachovia ATMs are also the only machines allowed on campus. The rewards are a joke, though. Just like with Wachovia's savings accounts, the rates they offer on rewards in puny compared to many other debit cards I have looked at.