Paceline

This card is worth a look if you regularly spend in its 5% categories and want simple cash back without tracking points or transfer partners. For someone with ongoing gym costs and steady grocery or drugstore spending, the elevated earn rates can make the card useful despite the $60 annual fee.

The limitation is that there are no listed benefits to help offset that fee, and the card only earns 1% outside its bonus categories. If your spending does not consistently hit those 5% areas, or if you want broader value from travel perks, credits, or a stronger everyday return, this is a narrow fit.