I got mine in Sep of last year when they were still offering the first year free. With the annual fee you also get a $100 airline credit that you can use for gift cards on a couple airlines, or food and checked baggage. I used my credit last year to buy my wife and I Early Bird Check In on Southwest for our Anniversary trip. $10 a month dining credit to certain restaurants or Grubhub. I used my sign up bonus and first two months points earnings to pay the 68,000 points to fly my family of four to WDW this upcoming Nov. Works out to 2.3 cents per point so I'm essentially getting 9.2% back for every dollar spent on the Gold at grocery and Dining. Mine is also grandfathered in for this year at 2x points at gas stations. I used the Freedom for that this quarter and will use the Discover next, but my wife hates having to change cards so I pretty much just tell her if it's gas or food use the Gold, anything else use the Double Cash. We get about 6,000 points per month.