I love that you can connect your loyalty programs to it and have it track all of them in one place. The customer service is great as well! It's not as user friendly as some other options, but they are constantly improving. There isn't much that I dislike about this program. My only complaint is that there are some things that I'm unsure if it's a bug or what. As far as tracking my credit card spending, this has been very helpful for me! It makes it easier to see where my spending lies so I know what my goals are with these rewards programs.