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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 ...

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Ben is a credit cards and luxury travel writer, an immigrant with three citizenships and a husband. He speaks English, Spanish and Italian, has a background in linguistics and languages ...

I think about credit cards all the time. As a personal finance journalist, I've covered credit card rewards for a decade and have more than three dozen active cards. My family and friends ...