It seems like a modest improvement on the way plastic is currently issued. The annual fee and interest rate make this specific card uninteresting for me, but those are largely dependent on the card issuing bank so I would not consider that a ding against the technology per se. I wonder though if the reduction in fraud through this technology, however modest, would benefit the issuer more than the consumer. Banks usually eat the cost of fraud in the interest of lowering friction for consumers, making it up on volume essentially. I wonder if given the benefits of security-improving tech, such a company could convince a more progressive banking partner to subsidize the costs of the card for consumers. That is in the long run, this card should really be cheaper than the alternative, not more expensive.