I got it when it 1st came out based on what my Citi Banker told me, when it turned out that he was wrong I simply CXed the card before it arrived. (Was told it had Primary CDW, turned out to be secondary)
That aside when it came out the benefits being offered was worth the AF, but as Citi destroyed the benefits over time I was amazed anyone still paid the AF for the card, and Im frankly amazed it lasted this long