I was also skeptical of the refresh and was already on the fence about keeping this card, but honestly... the way the new benefits are, it's making me think "where's the catch?" I've been able to use $200 a year in FHN - I may not use the full 600 organically, but still, let's say I only use $300, then I do use $200 for airline every year, I will use the full streaming organically, which now brings it up to $800... and I will definitely use $400 RESY because I have a bunch of mid-tier and even one cheap bar on Resy available. So no problem on that front. So even without the use of all benefits, I am coming out ahead, and me and my SO love using the lounges when we travel (only a few times a year) so this is a great refresh for a light user. Still makes me wonder - where is the catch?!