👍 The Good Stuff
- ✅ Huge Multipliers: 4x points on dining and groceries.
- ✅ Uber Cash: $120/year ($10/month) for rides or Eats.
- ✅ Welcome Offer: 60,000 point sign-up bonus ($600+ value).
- ✅ Transfer Partners: 1:1 transfers to 17 airline/hotel partners.
👎 The Bad Stuff
- ❌ Annual Fee: Costs $250/year upfront.
- ❌ Use It or Lose It: The Uber credit does not roll over.
- ❌ Grocery Cap: 4x applies only to the first $25K/year.
- ❌ Limited Dining Credit: $84/year credit valid only at specific partners.
The Deep Dive
If you’re the type who orders DoorDash three times a week, shops at Whole Foods like it’s a hobby, and considers brunch a personality trait, this card was designed in a lab specifically for you.
The Math (Does the fee make sense?)
The fee is $250, but if you max out the credits, the effective cost drops significantly. Here is the breakdown:
- Annual Fee: $250
- Uber Cash: -$120 ($10/month)
- Dining Credit: -$84 ($7/month)
- Net Cost: $46
The Verdict: The catch is that the monthly credits don’t roll over. If you don’t use them, they are gone. So your “real” annual fee is somewhere between $46 (if you max it out) and $250 (if you never Uber).
The Secret Weapon: 4x Multipliers
This card is genuinely elite for food spending. While most cards offer 2x or 3x, the Gold Card hits harder:
- 4x Dining: Restaurants, bars, cafes, and delivery apps (DoorDash, Uber Eats).
- 4x Groceries: At U.S. supermarkets on up to $25,000 per year.
- 3x Flights: Booked directly with airlines.
Why this matters: If you spend $500 a month on groceries and $300 on dining, you are earning 3,200 points per month. That’s nearly 40,000 points a year just on food you were going to eat anyway.
Who Should Get This Card?
- Foodies who dine out 3+ times per week.
- People who grocery shop at supermarkets (not Costco/Target).
- Uber/Uber Eats users who will max the $10/month credit.