With the exception of quarterly categories for the CFF, the two biggest gaps in the Chase ecosystem are groceries and gas/EV charging.

Still though, unless you spend a serious amount of money on groceries, the CFF with 5x back for three months plus 1x back for 8 months [1.5x if you add the CFU] is likely going to be as good if not a better value for a lot of people than something like the Gold Card.

If you don't spend more than $500/month on groceries, then the Citi CC is the obvious answer for 5x. If you do spend more than that, something like the SavorOne is a pretty straightforward option.

Of course neither of those earn UR points. Unless you are willing to do online grocery shopping to get 3x back with the CSP, then the CFF/CFU combo is going to be the best option for UR points.