It's a luxury card for those who fly frequently with Delta and can maximize the card's rich benefits. Those seeking a lower annual fee and more flexibility have other options.

Tom Haberstroh and Dan Devine dive into the numbers and break down whether or not Cade Cunningham deserve a shout for the NBA’s Most Improved Player award this season.

Terms apply. The card’s perks help offset its large annual fee, but only if you use them. Frequent travelers who are loyal to Marriott Bonvoy will benefit most.