Great card if the benefits match your lifestyle Lots of great benefits that aren’t really seen on credit cards or elsewhere. If you travel or shop at the partner store often it easily pays for itself.

Scammers Signed up for basic membership several years ago, never received anything on how to activate any of the so called benefits, and I asked several times. Today they tried to debit a card I have only had a few months, details obviously fraudently secured - no communication, just an attempt to steal $395USD which card fraud protection picked up

US centric and many benefits not actually better than what is available direct or elsewhere. In principle, the package of benefits looks attractive. However: 1. The hotel I tried to book (Graduate Providence) didn’t have rooms available through the FC site, although there were rooms available with the hotel directly. 2. Despite being told that British Airways flights would be 10% cheaper through the FC site they were in fact cheaper directly with BA. 3. A large number of the benefits are really only applicable to US based businesses and individuals. 4. The Virgin Atlantic and Hilton Honors benefit did work hence 2 stars and not 1.

ROI is Great Applying the discounts is easy. Earning points for using benefits and leaving reviews is great. Overall the ROI is great.

None of their discounts really amount… None of their discounts really amount to anything. I found better travel deals on American Express Travel with my Platinum card. The site is a scam. They regularly run promotions - and will not honor them even if they're less than 24 hours after an upgrade was done. I feel scammed big time. Stear clear.