[loeg]

Counterpoints:

* Redemption is extremely limited (only 1cpp for reimbursements for "travel" charges, and minimum 10,000 points ($100) redemption)

* That annual fee quickly eats into effective cash back after the first year. There are 1.5% cashback cards with zero annual fee; for that extra 0.5% to be worth $90 you have to put more than $18k in spend on the card every year.

I got one of these for the sign-up bonus (and I'd recommend doing so!) but I wouldn't hold on to it for a cashback card.