I know some think it is not worth it but for me $89.00 for the convienence of an effective 6-6.5% max rate (with fee) or mental 3.5% not including fee it is worht it.
Was worried that everyone said they were stingy.
Been waiting for the invitation to appear forever and it came the other day...
Applied and Low and behold - Approved for 15K - WOW.....
Exp 783 with 6 or 7 INQ. Others > 800
Exp dropped like 15 pts due to Amex PRG balance (seems it does affect score) but waited till paid off and score recovered