Comment by smsm42

3% for $60 annual fee is not bad. AmEx has Blue Cash card with 6% back, but it costs $95 and only works for (some) grocery stores. So if you have a decent churn $60 is not bad. Of course, if you play these games you should never ever hold a balance or pay late (and using cash advance on credit card is always, always a bad idea!) so you can ignore those fees.