Lounge access, elite status and a slew of available travel and business credits make this card quite valuable — if you’ll use all of those perks. If not, the annual fee isn’t worth it.

According to the Smithsonian Kaleidoscope website, free and enslaved African Americans in the 18th century used gardening to ...

Earn 2 miles per dollar on purchases. Redeem miles (at 1 cent apiece) for credit on your statement against any travel purchase, with none of the restrictions of airline cards.