Are you married? I'd personally either up grade to the Reserve card with chase or get your SO to get this card on their own. Just as long as someone in the family has it. The benefits of this card out weigh the cost of the annual fee no problem. You get $300 travel credit each year. All UR redemptions will be worth 1.5 times more. Plus you get a $100 credit towards TSA pre check or global entry, priority pass access, travel insurance, trip delay and cancelation insurance, plus a bunch of other benefits.. I'm a churner but keep my CSR because it's such a good product.