Is the metal card, fee and “perks” work the monthly (or annual) fee?
What do those that have it really think? Has the insurance replaced you needing to buy anything separate? Do you use the airport lounges?
What sort of montyhly cash back are you receiving?
Curious, as I would ‘upgrade’ if there is evidence that it would be of benefit. I know all use-cvases are different; but it would be useful to know peoples experiences and thoughts.