Disclaimer: I do not receive any benefit based on you applying for the credit card. I am not suggesting the you apply for a particular credit contract with a particular credit provider. Other cards are available.
Mid-range annual fee
Mid-range spend requirements to earn bonus
Mid-range spend to earn gift card
20,000 points second year bonus, $395 ongoing annual fee
Discounted first year annual fee. $295 first year, $395 thereafter.