The extra percentage and ACH rewards justify it for me.

Ultimately whether or not it pays off comes down to how much you're using it.

I've switched to using it as my primary fiat account, so at present, it works out decently for me.

I also love the new "Push to Card" feature.

I can maintain a balance in sats instead of dollars, and can push that value to the debit card (near-instant sell) when I need to make fiat payments.