The honest take
The fee is steep, but dining and groceries together often cover it before year-end for households. Monthly dining and Uber credits claw back another ~$240 if you actually use them.
Rewards, by the numbers
4x at restaurants worldwide, 4x at US supermarkets (up to $25k/yr), 3x on flights booked direct
The specs
Welcome bonus
Welcome offer varies
Welcome spend requirement
check current offer
Credit tier needed
Excellent
Is this card for you?
→ Good fit if
- Frequent travelers with excellent credit
- Households with heavy grocery spending
- People who eat out frequently
- Travel spenders who want points that transfer to airline and hotel partners
→ Skip it if
- People who rarely travel
- People whose spending can't justify the $325 annual fee
- Anyone with fair or building credit
Think this one's a fit?
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