When the whole world issue credit cards for free, this is the only company charging for issuing credit card. They tie up with all TOM DICK & HARRY e-tailers/thrid parties to market their product, I receive at least 6-7 emails for enrolling in to their Credit Card program.
I had once taken GOLD card which was provided for free for first year, 2nd year - renewed with Pain(with half points & half money) & later decided to drop from their program during the 3rd year.