I Keep 2 premium cards. One visa, one Amex, 1 for business and 1 for personal. The way I see it, there are bettter affinty cards, but if you are a lifetime Starwood Plat who loves staying in the best hotels while on Vacation, I can never get enough *wood points. keeping it as my lesser of the 2 spend cards, but the $120 easily pays for itself.