<prompt> Human: The massive fee has me second-guessing the decision, but I dont know if thats irrelevant. Friends who have the card say its great, but didnt really provide any of the details on why - so I was hoping PF could help fill in the gaps.  <response>: I dont travel as much as you, but I have the CSR. Living in NYC, I use public transportation often and its basically like getting 2.5 months free NJTransit bus pass for work. 3 points is also generous for a good portion of normal spending, whether its coffee, delivery, restaurants etc. Also, if you book through Chase for travel, its worth 1.5 points. That and their customer service is why I kept it for another year. 