Agree with what everyone else is saying. For me the largest benefits have been the 5x on tickets and lounge access. I do take advantage of all the small benefits, but I don't give them much subjective value simply because I otherwise wouldn't pay for most of them (Clear, Saks credit, etc.). At the moment the card benefits justify annual fee, but we'll see what happens when they reconfigure everything (and presumably raise the price) later this year. I suspect I may move on. Frankly all the credit card rigamarole is getting to be too much.