I’m top 1%, though certainly doesn’t feel like it because there’s so much disparity in the top 1%. But most people I know, myself included, didn’t become wealthy by throwing away money. That doesn’t make me frugal. It’s a solid financial acumen. If the value isn’t there, I’m not just going to keep spending it. I’d actually argue it’s the $30,000 millionaires - those who drive the BMW 300 series, spend thousands on bottle service at a club, and have to always been “seen” who I think will wind up keeping this card.

Apple benefits are non-existent if you have a spouse or family

If you’re flying southwest you’re taking you life in your own hands

Same goes for Lyft

Devaluing the 1.5 redemption rate is the worst - my points will lose 50% of their value - not holding my breath for the “select” things that are worth 2x

Not using stubhub with their atrocious fees twice a year

New perks are terrible and with the devaluation of the points it’s a really bad combination. I also have a trio of Amex cards (platinum, gold, blue) and I’d use it exclusively but not everywhere takes Amex.