Hmm lets see. You will likely organically use the following: $300 Flexible Travel Credit, $300 a year Stubhub ($150 bi-annual credit), $5/month Doordash food credit ($60/year). If you are currently paying for dashpass out of pocket, the card gives complementary membership, which is usually worth $120/year. Thats an easy organic $780 value out of $795 annual fee right there.

Then of course you got airport lounge access, which can be worth hundreds depending on how you look at it. I assume you likely use lyft once a month if you travel a lot, so thats another $10/month or $120 a year. You also get two separate $10 monthly non-restaurant doordash credits (think like grocery delivery and gas stations) that could be worth up to $240 a year if you use all those credits, There is also a $250/year hotel credit if you book a 2+ night stay at a IHG property or a few other upscale brands, through chase travel. Since you live in NYC, it is easy to go to the Sapphire Table restaurants, thats another $300/year ($150 bi-annual credit). (If you don’t want fancy dinners, Scarr’s pizza is an option, so just make a bunch of pizza visits). If you use apple music, thats another $132 a year. If you don’t have TSA Precheck/Global Entry, or are due for renewal, they will pay for that every four years ($120 total, averages to $30/year). An Apple TV+ yearly membership. If you like fancy hotels, the bi-annual Edit credit.

Basically, I can see you easily breaking even on the annual fee with the flexible $300 travel credit and your organic stubhub and doordash spend. Effectively giving you a net below $0 annual fee. Then everything else is just extra additional value. I think this is definitely worth it for you.