I don't have this card but have considered it in the past so keep an eye on it. According to DoC, there are significant changes coming to this card. On the surface, it sounds too good to be true that they are making it a no annual fee card, but the other changes make it a hard pill to swallow. Mainly that they are making the points worth .8 cent each, down from the current 1 cent per point. That is a big hit on the value of actually spending on the card when compared to the competition. The silver lining is that it results in a no fee card that provides pre-check or Global Entry credit.

On a broader note, I am much more concerned that US Bank may reduce the value of points across other cards - for me the big one is the Altitude Reserve which is my daily driver.