The break even point for justifying the $75 AF is $2500 worth of groceries. Being single myself, there's no way I could eat that much food in a year. But I use my BCP to buy all my gift cards at the grocery store... Petco, Amazon, Chipotle, etc so I easily surpass that $2500 mark (plus my store goes fuel points so thats a double win for me). You could also do as healthnut suggested and toss in a $500 visa gift card each month. The VGC can easily be unloaded via Bluebird, or if you aren't into that game yet just use it for your "normal" spend throughout the month (think restaurants, utility bills, doctor's visits, etc).