I am not only not licensed for advice or willing to go into it on a piblic forum. Not all Fixed rate ones risk capital but interest. All I was saying $695 in second year for free, Centurion, hotel status, minor Saks, Priority pass etc are a great value for road warriors plus OBC for several cruise lines. In my case I also have Business Plat so lots or redundencies. I plan on not renewing business one. Remember "free" one also requires $5000 monthly transfer into account, which can be transferred out shortly after.