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.

I’ve had the American Express® Gold Card in my wallet for a while, mainly because it’s my go-to for earning 4x points at ...

Terms apply. If groceries, gas and online shopping are significant parts of your budget and you refuse to pay an annual fee, this card is a fine choice.