Have this card since the beginning of the year. I have been able to use ALL the benefits with no annual fee. Travel to Europe a month ago, no foreign transaction fees. Got my $50 towards my Netflix streaming reimbursed. The mobile phone insurance fixed by phone screen, reimbursed $170 - sent me a check. Every time I eat out, book a flight or stay at a hotel, mega cash back. I use my Amex Platinum for the benefits and IRONICALLY to ride in Ubers and save $20 month. Uber Visa is the best card ever, except for using it with Uber. They make the rules, I'm playing the game.