You pay annually like any recurring subscription. That chase card and its american express equivalent (the platinum card) give pretty nice rewards for people w

You pay annually like any recurring subscription. That chase card and its american express equivalent (the platinum card) give pretty nice rewards for people who travel often. This includes airport lounge access, credits for dining or taking uber/lyft, access to helpful services, status at hotels etc. There are rewards cards across the price spectrum (some are free, some have an annual fee of $100, $250 etc). Often for anything except the higher cost credit cards, making up the fee in rewards is trivial. American express has a CC that gives 6% back on groceries up to $6,000 annually. The annual fee is $100. That's pretty easy to make back and then some as an individual let alone as a couple or even a family.