The downside on this card is the interest rate and annual fee. If you pay the card off in full each month, you'll avoid the 16% interest rate, but for many people that is impossible. The other downside is the $75 annual fee. American Express charges a similar annual fee, but they have many more opportunities for earning points and you have to pay the full balance at the end of every month so you aren't stuck with a looming interest-accruing balance.
Overall, this is a card I would keep in my arsenal of credit cards, but I'd have to work hard to make it a benefit for me as I don't travel often.… show more