Got the card less than one year ago. Heavy $450 annual fee but it came with 50,000 Thank You points. So first of all, it comes with a $250 credit towards airline fees. We've used them on moderate length flights to move to Economy Plus - nice benefit for us that we might not have done if we were paying for it. In addition, it comes with three free rounds of golf at some wonderful courses. We are scheduled to go to Portugal for two weeks in May and had already set up two rounds of golf - one in Sintra at the Penha Longa (Ritz) Resort and one at one of the top courses in the Algarve. Sure enough, I discovered that they were on the list. Cancelled the times and rebooked for free. Saved me about $280. Off to Scottsdale with family next week and using my last free round at the TPC Scottsdale. Greens fee is $339 and for me it's free! So that's $620 in benefits just for golf. Add that to the $250 airline benefit and we're up to $870. Not a bad investment. Of course, the first year you get those free miles. Use them on American Airlines and they are worth $800. Transfer them to an airline and you can get two domestic RT tickets, one First Class RT ticket, etc. My take - great card to keep and use - especiallly for a golfer!. Absolute no-brainer to get for one year.