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Not really that bad to be honest.. I use the no AF version Amex eating out and that is 5x for eating out thus 2.5c per point, not to bad to be honest... They have added up pretty quickly to be honest.. You can easily get a free night per year with not to much spend, just don't use it for general spend. Use it for eating out or hilton stays. I will be moving 8k of my ED card within a few months to this card.. No AF, I like that![]()