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 ...

The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

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