I just got this card at the end of December. I've been using it as my primary dining card since and will use it for groceries and gas starting next month (when my Sallie Mae card goes extinct or when my Freedom card is not offering one of those categories at 5% back). One thing that concerns me is that there is no way to monitor your reward progress regularly (although they do reflect on the monthly statements) and since it doesn't pay out rewards until the beginning of the next quarter, you have to add up all of your transactions and multiply them by 3% (assuming that you're using it only for the 3% categories like myself) to ascertain what your rewards are going to be and make sure there are no errors. Also, I had used the card for a few purchases in the last week of December 2016 and they posted before January 1, but I was never paid out for those. Granted, the rewards only totaled about .79cents, but it states in their Rewards Program Rules: "You will not receive a statement credit if your Cash Back Rewards is less than $0.01 at the time of the payout." I'm going to have to wait until after April 1 to see exactly how the cash back pay out/credit works.
The paper statements is kind of "old school" and not environmentally friendly. I would think it would be more cost effective for them to eliminate paper statements. As far as making payments, I personally don't mind having to do push payments through my own bank as that's how I pay all of my credit cards.
All in all, I enjoy using this card and if the rewards pay out accurately according to schedule, I will be glad that I app'd for it, but it's definitely not as slick and streamlined as the credit offerings from larger national banks and it shows.
ETA: One thing I find weird is that you cannot even view your statements online!
