An annual fee is not automatically bad. It is just a subscription, and subscriptions only make sense when they fit behavior you already have. The math should feel obvious before you apply.
Count real credits only
Use credits you would redeem naturally, not benefits that require extra spending or awkward calendar reminders. A hard-to-use credit is closer to a coupon than cash.
Value protection
Trip delay coverage, rental car protection, and purchase protections can be valuable even when they are not flashy. They matter most on trips with nonrefundable pieces.
Keep or cancel
If the card saves time, reduces risk, or improves trips you already take, it may be worth keeping. If it creates chores, downgrade it.