Originally Posted by
IAHRyan
Some of us don’t have enough of a credit history to get the CO Mastercard.

But, I fly often enough that the $65/year fee for the debit card pays for itself with the waived first bag fee, not to mention the domestic ticket I bought with the signup miles.
A couple things....
First, I never said that holding one was bad but spending on it seems like quite a bad idea to me.
Second, I believe there is a less expensive version that you can carry than the $65 version. It earns 1 point for 2 dollars rather than per 1 dollar but since you're not collecting from that spend anyways it doesn't really matter.