I'm torn. I can easily use the credits without changing my spending, since I already use GrubHub and Dunkin, and assuming I can use the Resy credit just by using the card at a Resy restaurant without making a reservation I'm good there, too, as one of my 3-4 most frequented restaurants is on Resy. I don't currently have a stellar grocery card, either, and would like to get one, so it's either this or the Strata Premier I think (for points diversification). The high AF is annoying, and if I get hit by PUJ (or the family rule, since I have the Platinum) I'll obviously not go through with it...but I could get the value...something to contemplate while awaiting confirmation of the new structure.