Great multiples for dining and travel. It's a low annual fee. The transfer partner network is pretty great. It isn't a great card for Costco as you'll only get 1x points on purchases there.

If you want a better Visa for Costco you could also try the Venture or Venture X. They will get you 2x points at Costco. Venture has a similarly low annual fee.

DM me if you're open to referral links. Obviously lots of people on here play the points game. Me included. 🙂