Something I am also keeping in mind is the 100K sign up bonus I received. Even if someone was going to use the 100K for cash, that amounts to $1,000 which covers four years of the annual fee if you use the $300 travel credit (and if someone isn't able to have the travel spend advantage of the $300 travel credit then this card isn't for them). I used the chase card to pay for my GE (even though I have other cards that will cover it but was able to use the credit on other cards with that benefit to help friends get GE and Precheck who don't have premium credit cards), I figure I can use the DoorDash credit at the pizza place by my house and just do pick up for the $60 credit there and the dining benefit on the PP came handy once at LAX and once at LIM when I had bad delays and would have dined in the concourse anyway and my Am Ex PP doesn't cover dining credits at participating restaurants. While this card isn't as valuable as my Delta reserve card or my Hilton Aspire card, I still think it's a good value. I can't say the same about my Am Ex platinum now that Delta made the changes to the reserve card.