I have it because my wife and I do a lot of international travel and the card comes with no currency exchange fees on foreign purchases. It essentially pays for itself after two trips, at most. That coupled with the added benefit of Admirals Club access (membership which costs close to the card fee of $450 anyways) when we travel domestically, both together, and now individually, makes it worth it for us. We pay our balances in full each month so the higher interest rate doesn't matter.