This is one, if not the best, no annual fee credit cards. You effectively get to choose where you want to earn a lot of points and you can change it month over month. It gives you so much freedom and ability to earn the highest point multiplier in the credit card game. 

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My suggestion is to choose one of the categories and only use this card for that category. For myself, it's a dedicated gas card. I lock in that 5x points on gas all year as it's the only spending I put on it and I don't approach $500 a month. However, that is a drawback, as this card does cap you at $500 per month. 

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Still, this is one of my highest recommended cards and with a $200 sign up bonus on a no annual fee card, you really can't go wrong with that. I personally love this card and it's a keeper for me.