I have one of the Lloyds ones (the one with the fee that earns more miles). To be honest, there are relatively few places that I need to use it instead of the BA Amex and the earning rate is so low that I'm not convinced that I spend enough to justify the fee.

If you spend thousands per month that you can't put on Amex then it's worth getting. I haven't spent time trying to work out what the break even point is, but I suspect it's quite high.