I talked over the entire process with my investor and although I honestly don't travel enough to require this card for flight "bonuses" I do receive other perks that I was unaware of at first! So, after deliberating a bit back and forth I decided to have my IA apply for me and I was approved! A big step up from my ol' capital one venture card hahaha! Now I have to find a wallet to house this baby when it gets here... It would be funny to pull out fifty bucks wrapped around a rubber band with an amex black card tucked in it ;p