Yeah, the current fee ($695) is a bit eye popping. But I am actually using every penny of the airline, Uber and Equinox credits ($200 + $200 + $300) so it’s ef

Yeah, the current fee ($695) is a bit eye popping. But I am actually using every penny of the airline, Uber and Equinox credits ($200 + $200 + $300) so it’s effectively free for me and all the extra benefits like lounge access are icing on the cake.