As everyone goes through a tick list of their individual benefits values, compared to the annual fee, I would suggest to also think about all the OTHER discounts and credits that AMEX offers throughout the year that aren’t being taken into consideration. Just in the past year, I saved/made over $800in additional credits or value with things like the 100$ Dell credit, the $100 Best Buy credit, the $100 Home Depot credit, the $150 instacart credit, the, $75 credit for Marriott stays, $100 credit for Hilton stays, $180 for paypal usage, and the list goes on. I fully expect many of these types of credits and offers to continue for many retailers that I continue to buy from. While the pandemic related credits (like the mobile phone plan credits, Best Buy, Home Depot, etc) probably won’t be renewed or repeated, I’m sure I’ll continue to get probably $200-$300 MORE value in addition to all the standard ones listed on the new / renewed benefits list.