If it's the United card, it also gives free checked first bag for you and companion if tickets bought on the card. This is much cheaper than paying for any of their "baggage fee subscription plans".
More than one trip with 2 people checked baggage each way, and you are ahead. Actually - you are ahead with one annual trip by a few bucks.
And you get premium boarding - just after first class. That's nice too.
Just some things to consider.
Well, I thought I was retired. But it seems that now I'm working as a travel agent instead!