The biggest reason I got this is for balance transfers at the start. The rewards aspect is decent as well. For the price tag it is definately not a bargain by a long shot. But this card will get it done for you. If you can swing the black cards annual fee than I say go for it. But if you do not want that cards higher annual fee and do not mind a few less perks than this card is for you. This is my first "premium card" so I cant go by much else but I like it for what it is. I was approved with a 730 credit score. So I have a feeling I am on the lower end of it. Will update as time goes on (if I remember to)
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