May not be the right post to ask, but here I go.

I am a credit card geek and am very interested in this space. I have some questions

1. Your rewards are insane. How do you even manage to give 7x on rideshare?

2. Most millennials and Gen Z spend a lot on rideshare, Airbnbs, online subscriptions and restaurants. Many personal credit cards provide rewards only on restaurants, but not on any of the other categories. It's a huge untapped market. Do you see entering personal credit card space in near future?