- signup and activation is pretty slick

- Like the physical card

- privacy element if it is real is best selling point - not sure it’s real, but really the only reason I would keep using the card

- rewards are lackluster (but enjoy daily cash remit)

- can’t download your transactions which is idiotic

- transaction categorization is pretty poor at the moment (e.g. United Airlines (Travel) shows up as United Club (Food Dining)

- interest rate is high for those that might carry a balance

- ancillary benefits are limited/lackluster I.e. status in a hotel chain or insurance coverage etc.