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I think about credit cards all the time. As a personal finance journalist, I've written about credit card rewards for a decade now, and have more than three dozen active cards of my own.

This card comes with a free night's stay every year, automatic Silver Elite status and high ongoing rewards at participating Marriott Bonvoy hotels, for a reasonable annual fee.

This card earns double miles on American Airlines purchases and at gas stations and restaurants, and it makes flying less of a hassle with a free checked bag benefit and other perks.