I have the AMEX card which I use mostly for the cruise benefits ($300,) hotel benefits and airport lounge access. Given the current climate it's probably not cost effective but I'm not going to drop it. If you use Uber there are some additional benefits.

My go to charge card for all spending is the less expensive Chase Sapphire Preferred card. Both cards now offer travel cancellation insurance which is enough to make you think twice about buying any additional insurance. I probably could have saved $2000 by not purchasing travel insurance on my last cruise.

Tom.