I only applied for the card because of the Free TU score. However since my DD started College, I let her use it as an AU. Its worked out perfectly because there's a Walmart near her campus that she does all of her shopping at, it allows her the use of Cash Back at the register should she need it (Great way for her to get cash and not set off any Cash Advance alarms), and the card doesn't stand out on campus like having her on my Discover IT, Amex, or Chase INK would. She's handled the card perfectly thus far. Ofcourse I pay the Bill.