They gave me a first credit card with 1.5% cash back rewards, a nice website and easily accessible customer service over chat. Not once have I cared what the interest rate was, of course, so they could be getting you there.

The rewards system works better than everyone's current favorite CSR, because you can use it to refund past purchases instead of just buying hotels with points in the Chase store.

The benefits that try to compete with Amex (like extended insurance) are harder to use since you have to actually call in instead of just filling in web forms.