Not exact matches
The most attractive
cards with the higher
rewards are
usually cards with an
annual fee.
Some
rewards cards are
usually reserved for high rollers, but if you opt for a simple cash back
card with no
annual fee like the Chase Freedom or Citibank Dividend, you should have no problem getting approved for one.
Rewards cards with no
annual fees exist, but they
usually don't come
with lucrative bonuses and may lack other benefits such as free checked bags or airline credits.
Credit
cards that offer
rewards usually come
with higher
annual fees and interest charges.
For a premium travel
rewards credit
card (
usually those
with high
annual fees), credit
card issuers will likely require good to excellent credit for approval.
Those credits are
usually only on high - end
rewards cards with annual fees of $ 450 or more, such as the Chase Sapphire Reserve, Citi Prestige and American Express Platinum.
These
cards do not come
with a
rewards program and
usually do not have an
annual fee.
So I
usually politely mention that I'm very familiar
with all the
card benefits (to try to avoid the long spiel extolling the
card benefits) and note that while I like the
card and earning AMEX Membership
Rewards points, the
card's
annual fee is very steep so I'd appreciate hearing any retention offers or incentives that could mitigate the
annual fee cost.
It's surprising that this
card offers a Global Entry credit, as that's
usually only offered by top - tier
rewards cards with higher
annual fees.
Along
with offering 50,000 points after spending $ 3,000 in the first 90 days of opening your account and
rewards on every purchase, the Bank of America Premium
card offers travel perks that
usually accompany
cards with a much higher
annual fee, including an
annual $ 100 credit for airline incidentals, a $ 100 credit for Global Entry and TSA PreCheck application
fees every four years, and some very generous travel protections.
Along
with no longer paying an
annual fee, you'll likely lose the
rewards points program that
annual fee cards usually offer, which is fine if you're not going to use the
card anyway.