The card is worth it to me. The F class trip to HNL in May where my companion only pays $99, that pays for the annual fee about 20 times over. Not to mention using the card like a debit all month then paying off the bill in full when it comes. ^ If they'd just start accepting it for mortgage payments...... Its a question that has no answer really. Its like saying "is the pizza good at Rosati's and worth it? No right or wrong answer it depends on the recipient. The question you should ask yourself is, "Is the AS visa worth it for me and my situation and flying habits?"