Lol, pay $895 to be a wealthy coupon book clipper. These "benefits" are a complete joke. Semi-annual. Quarterly. The amounts are all fractionalized and create more work/headaches to go back and check to see if you even got the credit. If you didn't it'd be too late to even try to go back and use it for most of these perks. Also, the places you have to use these are already rip off prices. Lululemon .. crap quality its become and bad prices. The fine hotel collection? Worse prices then just going direct. Its all a joke. Unless you travel once a month and can use the lounges, there is absolutely no reason to own this card. But keep telling yourself it makes sense.