Right, but what are the alternatives? With no annual and no FX?
All or if not most CapitalOne cards, td bank cards,Amazon chase card, UME Travel perks,and lots more.
Each has its ups and downs, for example a non af card like the chase Amazon card which gets you 5x on purchases if you have a prime account, then again you can stock up at office supply stores and buy amazon at 5x so depends on what your needs are Or just to have a no af card,and no fx fee.