Really, it's a $355 premium over the $95 annual fee of the regular card I've had for over 7 years. Let's see, AC membership for me, AC access for my authorized users, global entry fee reimbursed, priority access as a non-elite, no foreign FX fees, etc
Interest rate doesn't concern me, I pay my balance in full each month. I only carry balances on 0% cards, paying them off before the intro period ends.
I fly every month, sometimes AA, sometimes UA out of LAX, I can get to the AC just as easily regardless of which airline I fly out of my main airports of LAX, BOS, ORD, DFW, and AUS.