As someone who is recently retired I'm pretty sure my demographics are different than most on this thread. While I am disappointed in the increase, perhaps I use the IAP program more than others. We have no other cash airfare discounts available to us. Between the domestic discounts on American and a couple of personal international travel trips a year (post-COVID) we generally save at least $2,500 in airfare each year. That alone pays for the card for me. As an aside, an old fart like me enjoys reading the NYT on Sunday so I will be able to use the $20/month benefit for that.