I got an invitation for this card recently, too. Earning 2% cash back is moderately interesting. I was intrigued by the chance to earn higher value by redeeming for tickets, but the table provided by Doctor Of Credit shows that there are too many caveats to reliably get anything close to 2.9cpp. The fact that FNBO won't display redemption rules or processes until after one becomes a card member is a major turn off. That just seems like shady business. Plus, it's an Amex, so its less widely accepted than Visa/MC. I'll stick with a Citi DoubleCash card instead of this one.