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Comment by bbarn | Hacker News Reader

If you have good credit, their credit card is good for a daily driver if you're the type who pays off a card monthly. Unlimited 2% cash back, no annual fee. You can set up the cash back to go straight into investment accounts too.

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It is a good one, but my experience is that the customer service on the card is not so hot. Namely they are overly aggressive with fraud detection, which combined with slow card replacement can be problematic. They canceled my card once because I swiped it instead of inserting the chip for reading, said they could not reverse the action, and then took over a week to get me a replacement card (granted there was a holiday weekend, but this was very different from Amex who always have overnighted replacement cards)

I've had the opposite experience with my Fidelity card. I've accidentally swiped it a few times with no consequences, just had to insert the chip afterward. Their fraud detection has been spot on. I must've gotten skimmed and incurred a fraudulent charge. The card was immediately cancelled, I was notified, and three days later I had a new card in the mail.

I've never hard my card permanently deactivated. They will definitely freeze my card if I make three or four large purchases in a day or over a weekend, but there's always an immediate robo-call asking me to confirm and then it's instantly active again.

> they are overly aggressive with fraud detection

That's the worst, BoA is like that too. Chase and Amex seem to work well for me.

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