Based on the information provided, the credit card with the most lucrative benefits appears to be the Chase Sapphire Preferred Card. This card offers an excellent return on travel and dining purchases and has a ton of value that easily offsets its $95 annual fee. Additionally, the card offers a generous welcome bonus and other perks such as trip cancellation and interruption insurance, primary rental car coverage, and no foreign transaction fees. Overall, the Chase Sapphire Preferred Card seems to be a top choice for those seeking a rewards credit card with a wide range of benefits.