On paper that 4x MR on dining looks great, but I've seen a lot of complaints of restaurants not actually coding as restaurants, so not earning the 4x. In addition, the 4x is only for spend in US restaurants. Part of the reason I still have a CSR is because the 3x on dining works pretty reliable at anything that could be called a restaurant, in the US or abroad. Likewise, the travel category is very broad vs Amex's very limited airline direct or travel portal. Given the current limitations of the category earning and the $10/month food credit, the card is not a keeper in my eyes.