Go with Amex gold card. Relatively small annual fee but you must pay it off every month, no interest charges. Automatic life insurance each time you charge an airline ticket to the card of $250K, availability of special seatings and advance show and concert tickets and most of all kick ass service when you're in trouble or need something.
They don't have to compete for your business because they offer a lot more than the other guys. I worked there years ago and still use nothing else.
https://www143.americanexpress.com/c...ARDS/144/1/0/0