That is quite the pricey card and whilst it’s easy to see the value in the first year, after that depends on what other benefits it confers. At $410 I’d expect and do understand there’s an annual certificate and by the looks of it wide ranging airport lounge access. Depending upon the amount of air travel you undertake and whether or not your Gold Emirates membership confers wide-ranging Airport lounge access probably determines the continuing value. I certainly wouldnt pay $410pa to earn 6 points per $, though here in the UK I do pay £75pa for a card that provides 3 points per £ on day to day spending and 6 points at Marriotts. As I spend around £1,000 per month on the card I basically deduct 1 point per £ spent to “repay” the fee, so count my actual earnings at 2 per £ on day-to-day spending and 5 per £ at Marriotts. I consider my card good value at that price, with no other benefits.