Very good points. Credit cards can come with all sorts of perks. Mine has a travel health insurance, which basically makes the credit card pay for itself: the yearly fee is half of what a dedicated travel health insurance costs for me.
Other perks can include liability insurance for rental cars or access to airport lounges (I have that perk, too, which also more than paid for the credit card).
However, sometimes these perks only apply if you e. g. paid for the ticket or rental with that credit card. So best pay attention to the fine print.