I put most of my spend on my Chase card as well (they have some great transfer partners, especially for international award flights).<p>However, for me the $450 fee is easily worth it. The airline fee credit drops it down to $250. And $250 for lounge access + precheck + Boingo + SPG&#x2F;HHonors Gold is worth it to me. Without those benefits, I&#x27;d be tempted to pursue loyalty to an airline and I save well over $250 a year by price shopping.