Sentences with phrase «annual fee cards really»

It was a hard choice since there was a $ 75 annual charge on the card, but I wanted to see if annual fee cards really do give you better rewards.

It's always a bummer to see a travel card with foreign transaction fees but since this is a basic, no - annual fee card it really doesn't surprise me to see that.

Not exact matches

Since this card doesn't charge an annual fee, the Ultimate Rewards points you earn through it are really only usable as cash back.

The card has no annual fees and no foreign transaction fees, so it can really save you a bundle abroad.

While this card does have an annual fee, it really is pretty affordable compared to some of the other rewards cards out there.

With no annual fee and impressive earning potential, this card is really a no - brainer.

The fact that it has no annual fee, pays a little more than the one mile per dollar than many other cards offer, and offers the ability to redeem miles on any airline or hotel purchase really makes it stand out among rewards card

With a low annual fee, reasonable interest rates and no foreign transaction fees, travelers across the world are really benefitting from this card.

Since this card doesn't charge an annual fee, the Ultimate Rewards points you earn through it are really only usable as cash back.

While my annual fee expense on the cards I'm keeping is ~ $ 2,400 (really ~ $ 1,300 after statement credits), I get amazing perks like free hotel nights and annual travel credits with several cards.

With the major fanfare of Chase's Sapphire Reserve and its 100,000 - point sign - up bonus, we think it's the perfect time to find out which premium travel card is really worth paying the high annual fee and adding the most value to your wallet.

As I mentioned quite frequent here I am a credit card person, but I usually only get cards without annual membership fees because I don't really see any extra benefits from those cards to justify the cost -LSB-...]

Other than rewards and annual fee, I don't really care much about others, especially interest rates The same thing for the PenFed card.

«With so many credit cards available that do not have annual fees, the question really is why would you pay to use something that you can use for free?»

Overall, this is a good general, all - purpose travel rewards credit card, especially if you really want one with no annual fee (which is not common for travel rewards cards).

So, the credit cards with the annual fees and the high interest rates really only make sense for people who can reliably pay their bill each month.

The annual fee version of the card also comes with a $ 100 statement credit towards airline fees each year of card membership, which can really pay off for frequent travelers.

So this is really a $ 75 annual fee card ($ 175 annual fee — $ 100 statement credit = $ 75) after the 1st year.

But the card also has a $ 300 annual travel credit, so the fee is really only $ 150.

If you prefer to keep it really simple, you can sign up for a cash back card, like the Amex Fidelity, which offers 2 % cash back everywhere, with no annual fee (albeit the cash back is through their investment account, which you don't actually have to «invest» with).

At this point, some of you may be trying to determine whether or not the card is really worth it, likely due to the high annual fee.

I didn't think the «normal» sapphire was still being offered, but anyways I would not recommend it as the Sapphire preferred is so much superior and well worth the $ 95 / annual fee, which you can get back with the ability to make freedom points (either unlimited at 1.5 X's or regular) into Ultimate rewards points, the no foreign transaction fees (remember not to go for the trick: would you like this in currency x or in dollars - it's tempting to go for a dollar dominated transaction, but in essence, the way I understand it, you get charged a «transaction fee» to go from the home foreign currency into dollars, whereas the CSP card already pays for this transaction fee, so it's really a tricky semi-scam in my opinion.

And if you really hate the idea of paying an annual fee, look for a card that doesn't have one.

In addition to the fees, the Annual Percentage Rate (APR) is the other thing credit card holders really need to pay attention to, especially if they plan to carry a balance.

This is a decent earning structure for a no annual fee card that can really be lucrative if you spend a lot on dining and groceries.

Me: «Hi, I noticed that the $ 95 annual fee was charged on my recent statement, and I really don't use the card very much.

With no annual fee and impressive earning potential, this card is really a no - brainer.

Depending on your spending habits, a few of the no - annual - fee cards can really help you boost the Ultimate Rewards you earn.

Once you go beyond two or three active credit card accounts in the family, you probably need a really solid system to track everything so you don't miss out on a spending bonus, payment date or annual fee.

If you're really fond of Hilton, you might also consider a Citi ThankYou Premier card (annual fee: $ 95, waived first year), because it earns triple points on travel, double points on dining out and entertainment, and you can transfer ThankYou points to Hilton at a rate of 1,000 ThankYou points to 1,500 Hilton Honors points.

That's part of how I justify keeping an Amex card in my wallet and paying the annual fee even though I don't really care for the points earning.

«There are a few no - fee cards that give you a pretty good amount of awards, but to really get the big numbers sometimes you just have to suck up the annual fee.»

Premium cards with similar rewards but lower annual fees also pose a threat, says Andrew Davidson, senior vice president at Mintel Comperemedia, especially since «a lot of those cards have been adding benefits and enhancements over the years and are a really great value.»

Those «free» trips aren't really free, of course, because you probably paid an annual fee or minimal airport or security charges, in addition to all the spending you did on your card to earn the points for the «free» trip.

With this card, you won't really have to spend an exorbitant amount to make up for the annual fee, especially in the first year since there's no annual fee to try out the card.

The $ 175 annual fee is fully waived for the first year of ownership, which allows you to use all the benefits of the card to determine if it's really the right card for your needs.

At this point, some of you may be trying to determine whether or not the card is really worth it, likely due to the high annual fee.

With a strong rewards earning program, no annual fee, tons of perks, and easier approval odds than many of its competitors, this card really becomes a no - brainer for many people.

As I suspected when I set out to write these blog posts, this has been a very useful exercise for me as it's helped me realise that some cards are really not worth their annual fees any more.

I try to justify the $ 450 annual fee by reminding myself of the $ 200 airline credit I get every year and by remembering the access it gives me (and two companions) to the Amex Centurion lounges that are slowly popping up at major airports around the US... but I've really been making excuses to keep the card as I haven't been entirely convinced that it's been worth keeping.

However, what really makes it great is that you can downgrade this card to a no annual fee card like the Barclaycard Arrival and help to preserve and improve your average age of accounts and help build up your credit score.

You have to make sure you pay off the balances, you have to reach the minimum spending thresholds (if any) on time, and you have to cancel those cards that you don't really want to keep before the annual fees kick in.

So for example, I really wanted the Chase Sapphire card and it's a $ 450 annual fee.

Annual Fee is Waived the First Year The Barclaycard Arrival Plus annual fee is a reasonable $ 89 but Barclaycard waives it for the first year, which really makes you wonder: Why shouldn't I get thisAnnual Fee is Waived the First Year The Barclaycard Arrival Plus annual fee is a reasonable $ 89 but Barclaycard waives it for the first year, which really makes you wonder: Why shouldn't I get this caFee is Waived the First Year The Barclaycard Arrival Plus annual fee is a reasonable $ 89 but Barclaycard waives it for the first year, which really makes you wonder: Why shouldn't I get thisannual fee is a reasonable $ 89 but Barclaycard waives it for the first year, which really makes you wonder: Why shouldn't I get this cafee is a reasonable $ 89 but Barclaycard waives it for the first year, which really makes you wonder: Why shouldn't I get this card?

At a guess I say there are thousands of people out there paying annual fees for credit cards they really don't need — are you one of them?

I have a very simple process that I go though (at least once a year) to force myself to think about the credit cards I hold and to see if I'm spending cash on annual fees that I really can not justify spending.

No annual fee: This card will not charge you an annual fee, this is great as you don't have to factor in the annual fee to see how much you are really benefiting from the rewards.

«The credit card issuers are really going after those people who have a decent salary who are willing to absorb larger annual fees and are willing to spend deeper into their line of credit,» says John Ulzheimer, a credit specialist who has worked for Equifax and FICO.

Although many mid-range credit cards waive the annual fees for the introductory year, some don't, so you really have to calculate all your costs before applying for multiple credit cards.

That's why I like to keep this card around — I've had it the longest, and there's really no downside to keeping it since there's no annual fee!