A nice card with versatile categories. Everyday has 3% grocery, online shopping, and gas. Preferred is 6% supermarket, 6% streaming, and 3% transit/gas. 1% base cash back for both cards. It also pays for my Black Friday Disney/Hulu each month. No hard pull if you are declined or reject the offer after seeing the bonus amount or credit limit, so it's a safe application like every Amex card. I aimed for it as a first real credit card because of this. When I had to talk to CS, it was very easy and straightforward. I'm very happy with it and only have good things to say.