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This card is completely worth it......if you are a traveler......I have it and I travel a lot....my company has put lots of budget restrictions on us....and the benefits really benefit me a ton.....I get back the $450+....if you dont travel...then its not worth it
The Plat is an incredible value when the following are utilized:
1. Sign up bonus - 100K MR bonus makes this a no brainer, even without the benefits.
2. $200 airline annual airline credit - AA, Delta, and UA gift cards potentially credited when purchased.
3. Priority Pass Membership
4. Instant SPG Gold Preferred Status
5. Free Global Entry - lasts 5 years
6. Great deals to be had on FHR, if one is opportunisitc and selective
7. No forex with EMV chip
8. Higher levels of purchase protection of warranty
9. Upgraded memberships in care rental companies - Avis, Emerald, and Hertz
For example, app for the card in March. Get the sign up bonus, all the above, receive $200 airline credit for 2013, and another $200 for 2014 before annual fee hits. That's a $400 (airline credit and gift cards) + $100 (Global Entry) value before the next annual fee. With the 100K MR bonus thrown in, I'd say this is the best deal of the year!
PS - MR First has some minor benefits too.