We have the Chase Sapphire Reserve. It is expensive ($550/year) but it comes with a $300/year travel credit and that includes not just airlines, cruise ships and trains, but tolls, parking (including meters). You also get a 50% premium if you book your travel through their portal. For example, if you book a $1500 airline ticket using their points, it costs you only $1000 worth of points (100000pts). You get a $100 credit every time you renew your global entry card, free travel insurance, lost luggage insurance, airport lounge access and some other benefits. So if you take away the $300/ year credit and take into consideration the travel insurance, it basically comes out to no fee at least that's how I look at it. Here's a link... https://www.nerdwallet.com/article/credit-cards/benefits-chase-sapphire-reserve