I don’t really have much to comment on the card itself. I’m from the UK and use a credit card for most spending due to the consumer protection it gives you. On

I don’t really have much to comment on the card itself. I’m from the UK and use a credit card for most spending due to the consumer protection it gives you. One thing that I feel is extremely important, but not well executed in general is the budgeting. This does budgeting, but looking at it, I suspect it reports the categories of spending. The marketing site is somewhat vague at how that works. If that is correct, that’s reporting not budgeting. Budgeting is allocating your spending to predict and plan for the future. A couple of years ago I switch to YNAB and it’s been a remarkable mindset change in how I manage money. I feel a lot of young people are missing out because they don’t have the education or tools at the bank level to do it right. Most people I know of all ages do bank balance budgeting.