I started with a personal centurion and then a couple years later they invited me to do a PC to a business one. Much later I wanted to switch back (for kind of a meaningless reason- the physical card design aesthetic) and they wouldn't let me, saying that some regulation had changed. Subsequently the benefits between personal and business diverged and I was then glad I had the business one, and wish they'd differentiate the benefits further, with my #1 wish being they'd replace the Equinox "benefit" with one I can actually use.