> Restaurants/travel are 3x points and transfer easily to airline partners.

Have you actually done the math?

3 points/$1 and each point at an airline is generally worth around 1.5 cents, so it's equivalent to getting maybe 5% cash back at restaurants. Compare this to the Uber card where you get 4% cash back on dining. For the 1% to break even with the $450 annual fee - $150 credit = $300 net, you need to average at least ~$40 on dining/travel on your credit card per day. And then you have to make sure you only use the points for trips that you would have already gone on anyway on cold hard cash, otherwise you're just spending far more money on food/hotel/rides/etc.

I don't know about you but it's an understatement to say that I'm skeptical this comes out to the benefit of the majority of the card's users.