Personally, I think this Fairmont CC is a hidden gem and a keeper. Really not sure why anyone would cancel the card, especially since it is DEAD, and thus unchurnable. The value you can get out of it is much greater than the $95 AF. I mean, the dining certs are already $50 (let's value it at $25). So to me I see the AF as $70 but you are getting 3rd nt free and suite upg cert (for 5 nts). If you are able to make use of it once a year (ideally) it would be pretty nice. Even if used every other year, the value saved definitely surpasses "$140". But to each and their own.