FlexPerks® Gold

This card makes the most sense for someone who will use it often at restaurants and can also pick up extra rewards on gas and airline purchases. The no foreign transaction fee and TSA PreCheck or Global Entry credit give it some practical travel value, which helps justify the $85 annual fee for a cardholder who wants a simple setup and actually uses those perks.

For most readers, though, the value case is fairly narrow. There is no welcome bonus, FlexPoints are only worth about 1 cent each based on the data here, and the everyday earn rate outside the bonus categories is just 1x. If your spending is more general or you want stronger travel perks, there are other cards that offer a clearer return for the fee.