if they offered 5x on categories and a signup bonus I would consider it despite the fact I do not rent . They are using the usual marketing tricks to make it rare and valuable like a nightclub with a line but no one at the club . It has no annual fee which is positive but unless you don't have access to Hyatt,aa and other partners this is for you .Despite the useless crap 1 portal for hertz, same day purchases, lack of accurate j and f pricing its a card is worth a lot . 5 priority passes so 15 get people access to lounges, dining,spa credits and the great crap 1 lounge. Despite it being a predatory sub prime lender that takes advantage of the poor as long as you pay your balance and spend bonus spend on other cards you will bankrupt capital one. Good news is capital one can afford this loss leader as they make their money on usury fees and sueing the less fortunate .