While I agree 2% cash back on everything is nice, I'm not sure what is so special about Elan/Fido card? There plenty of others out there. For example, I do have Citi double points and PenFed Power which both has 2% cash back on everything. Also, all PenFed cards come with no FTF which is advantage when you use it internationally. Finally, Apple has its own card (actually issued by Goldman Sachs) which also return 2% cash back when you use it with Apple Pay.
$0 (2014) --> $x,xxx,xxx (2021) --> $?,???,??? (FIRE) --> $0 (collapse)