Even the $399 card is not too impressive. First bag free is only relevant for trans border. There does not appear to be unlimited lounge access just 4 MLL passes and some limited priority pass looking option....really, for $400? With Amex Platinum you get so much more for $99 more (net after $200 travel credit). You'd hope someone with a $200k annual income would quickly figure out how lame an offer this truly is!