Despite the fact that 2 month billing cycle is history, why are you people so upset. I hope primary rental insurance does not go away. Why are you calling it an ordinary $95 MC? If you compare it to the past then yes it is bad but still it is a very powerful MC. Look at the purchasing power you will have now. Can you compare the points redemption choices with any oridnary MC. Even the so called prestigious Amex cards do not come close. And then the live customer service. For $95 where will you find all these benefits. Give me one example of an oridnary MC or visa or Amex?