I disagree. People should be asking themselves if they want a free MasterCard accepted in 24 million places that permits ultra-extended payment terms, often at very competitive interest rates (below 5% with balance transfer deals), or a $95 MasterCard accepted in 24 million places that you have to pay off every month.
Oooh, a card that says "Professional" on it, so cardmembers can take it out of their wallets and see what class of person they are. THAT's a real value add.
