For a limited time, new Chase Sapphire Reserve cardmembers can earn 100,000 points and a $500 Chase Travel credit after spending $5,000 in the first three months. The Sapphire Reserve first launched in 2016 with a 100K-point welcome offer, but the $500 travel credit is a big addition and definitely makes the card worth it.

$120 Global Entry, TSA PreCheck or Nexus credit every four years. While it's a nice perk, it's pretty standard on travel cards that have an annual fee, so you may already have it. But even if it's your only card with the benefit and you use it every five years, it's worth about $24 a year, says Grossman.

Chase's Sapphire Reserve credit card became a millennial touchstone. I never got one when it first came out — and felt FOMO. Now I'm vindicated.