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There's no annual fee so I'm not sure why someone would regret getting it. I've had it for about 3 years and use it for 3% back at Apple and Walgreens. It does the job.

It really shined on an international vacation about 2 years ago. Where Amex wasn't accepted the no-foreign-transaction-fee Mastercard was very useful.

When I applied they would only do a hard pull on an applicant's credit if they were approved. If that's still the case then I would definitely apply, even just for the thick metal card and the future long-standing line of credit.