Yup $595 for a card? It used to be one benefit outweighed a cards fee. Now, I often have a hard time justifying it even when all benefits are added to the equation.
100%, I have been paying the fees on 2 BP cards for five or 6 years, no retention for me ever, but the good offers used to make up for the fees , and AA GCs etc. I also have 2 Gold cards , they raised the fees, with some nonsense dining credit , supermarket x 4 but capped at $25000 , A business Gold that became useless to me once we do not have the shipping volume we used to do. I'll keep some of their cards, but for MS nothing beats having a few Inks and Freedoms .