I have CLEAR . . . and think that all or part of the annual fee is paid by Amex or a MasterCard. In any event, it's great! I just used it at SJU two days ago when the TSA line -- even the Pre-Check line -- was crazy crowded. I literally walked immediately into the CLEAR area and was past the TSA agent in no more than three minutes! In this regard, I'll say that CLEAR occasionally has been slow for me (maybe 5 minutes) because the system couldn't read my eyes or fingerprints. A facial recognition system now is used, however, and its speed is incredible in identifying the CLEAR customer. Highly recommended in my experience.