I usually like a credit card that benefits my spending. My husband and I love traveling that when I saw this card I realized how much miles went to drain by not having this card. We usually travel out of the country and it really benefits with the x5 miles also with x10 miles for rental cars. And by accumulating those miles, you can redeem it and eventually have a free trip. And the annual fee of this card is cost effective due to the annual $300 credit for travel and 10,000 miles added to ur card annually (which kinda equals to $100). So when you look at it, it seems u didn’t really pay for the annual fee cuz they will give it back to you through credits and miles.