I think his point is about more than the box. It's 2014. With a card that has an annual fee there should be things like a great mobile app, enable you to manage your accounts through solutions like Mint.com, autopay, a card that doesn't feel like it's falling apart at the seems (Virgin has even admitted it's terrible and are sending a replacement). These are now the norm and even free credit cards offer these solutions. Overall it's a bummer that they haven't (yet), hopefully they will soon.