If you consider lounge access a must-have and you frequently fly (and check bags on) United, then this card's jumbo annual fee can be a relative bargain. Occasional travelers should look elsewhere ...

You get bonus points for spending on travel, dining and some everyday purchases. Points are worth more when used to book through Chase.

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.