If it's just the check card and not a credit card why wouldn't you want it? It's not like there's any difference in interest rate.
I've had the platinum check card for years... it basically gives you a higher withdrawl from atm limit... something like $7500 per day instead of $3500 and an unlimited spending limit (up to your checking account balance) instead of a fixed one.
They didn't push it on me... it just showed up in the mail one day.