The card's rewards structure isn't the easiest to remember. But its useful bonus categories, flexible rewards and outstanding welcome offer make it a top contender among cash-back cards.

2-Year U.S. Treasury Note Continuous Contract $102.836 0.082 0.08% 5-Year U.S. Treasury Note Continuous Contract $106.391 0.250 0.24% 10-Year U.S. Treasury Note Continuous Contract $108.891 0.422 ...

If you consider lounge access a must-have and you frequently fly (and check bags on) United, then this card's jumbo annual fee can be a relative bargain. Occasional travelers should look elsewhere ...