Got this card several months back used one club upgrade certificate so far with my normal ABA rate. Tonight was told I would have to pay a rate that is $200 more than ABA rate in order to use the certificate I have. Makes this card worthless (and its $400 fee basically a huge waste of money) Tried a second reservation different property, dates, same deal. Just an FYI to those thinking this card might be worth it--not even close.