Premium travel credit
cards with annual fees of over $ 450 or more may seem incredibly expensive at first glance, but when you factor in the annual travel credits they offer, the final cost is much easier to swallow.
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.
There are now nearly a dozen luxury credit
cards with annual fees of $ 450 or more.
While the card has a stack of great benefits for travelers, the $ 450 annual fee has some Cards for Travel readers asking, «How do I decide which high end credit card is right for me — especially if I don't want to carry multiple
cards with annual fees of $ 400 or more?»
Two of the three
cards with annual fees of less than $ 450 are miles cards.
While the card has a stack of great benefits for travelers, the $ 450 annual fee has some Cards for Travel readers asking, «How do I decide which high end credit card is right for me — especially if I don't want to carry multiple
cards with annual fees of $ 400 or more?»
Blue Cash Everyday ® Card from American Express — You get great U.S. supermarket and U.S. gas station rewards for
a card with an annual fee of $ 0.
The Capital One ® Spark ® Cash for Business is a business credit
card with an annual fee of $ 95 dollars (waived for the first year).
It is somewhat cheaper as a charge
card with an annual fee of $ 125, or $ 70 less than the Premier Rewards.
7 Welcome Bonus applies only to the new TD Business Travel ® Visa * Account opened for
the Card with the Annual Fee of $ 149 issued in the name of the business (the «Account»).
Compare that to the unique benefits of the rumored Chase Sapphire Reserve, also a Visa Infinite
card with an annual fee of $ 450:
For example, the number of mailings featuring
cards with an annual fee of $ 250 or greater has dropped precipitously in the past year.
«Except the Prestige card is a premium
card with an annual fee of $ 450 a year!
I have offers for the Southwest Plus Credit
card with the annual fee of $ 69 if anybody needs one.
That account does have an optional Delta SkyMiles World Debit
Card with an annual fee of $ 75.
This account does have an optional Delta SkyMiles World Debit
Card with an annual fee of $ 75.
One reader mentioned he can renew
this card with an annual fee of only $ 79 because he already has a lifetime United Club membership and wanted to know if he should keep it.
That's a lot of value for
a card with an annual fee of just $ 95, which is waived for the first year.
No other Canadian credit
card with an annual fee of less than $ 150 currently offers more than four lounge visits per year.
That's nothing to sneeze at, especially on
a card with an annual fee of $ 0.
As with
any card with an annual fee of $ 450, you'd expect significant benefits to justify that fee.
Not exact matches
The
cards each come
with different new member offers, and while there are a few other differences between them, they each have
annual fees of $ 95, which is waived the first year.
Buying products and services
with your
card, in most cases, will count as a purchase; however, the following types
of transactions won't count and won't earn points: balance transfers, cash advances and other cash - like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and
fees of any kind, including an
annual fee, if applicable.
Even when we add in the
annual fee in the second year, our model cardholder still earns a larger amount
of cash back
with the Capital One Spark Cash
card:
Of course, the Capital One Spark Cash
card comes
with a $ 95
annual fee.
The Bank
of America Platinum Visa is a straightforward business credit
card with no
annual fee and free employee
cards.
Some worthwhile contenders include the «Discover it»
card, which will double your cash back at the end
of the first year, or Citi Double Cash, which gives you 2 percent cash back on everything
with no
annual fees, or Chase Freedom, which offers a $ 150 bonus if you spend $ 500 in the first three months, Schulz said.
If you run some calculations, you'll often find that you'll get far more value out
of a
card with an
annual fee than a
card without one.
In that case, it might be worth getting one
of the
annual -
fee cards with better rewards.
This
card comes
with a $ 95
annual fee that's waived the first year
of card membership.
One
of the big negatives
with most reward
cards that offer large signup bonuses, is that often times they have an
annual fee.
This
card comes
with an
annual fee of $ 39, which isn't too lofty, but it's an added cost nonetheless.
In return for using their loyalty brand credit
card, Canadian consumers typically receive about 2 %
of their spending, back in terms
of rewards, unless they use a credit
card with an
annual fee.
With a generous welcome bonus, ongoing rewards for all
of your purchases and no
annual fee, the Discover it ® Miles credit
card has a lot going for it.
The Chase Sapphire Preferred
card is meant for high spenders, and comes
with an introductory
annual fee of $ 0 the first year, then $ 95 every year after that.
We've found that it the Bank
of America Travel rewards credit
card is one
of the few to not charge a foreign transaction
fee in conjunction
with no
annual fees.
If you're in the market for a rewards
card with no annual fee, Bank of America has your back with its Bank of America ® Travel Rewards Credit C
card with no
annual fee, Bank
of America has your back
with its Bank
of America ® Travel Rewards Credit
CardCard.
The
card comes
with a $ 0.00
annual fee, an intro APR
of 0 % for 9 billing cycles, and is available to applicants
with excellent credit.
Part
of the IHG lineup is the brand new IHG Rewards Club Traveler
Card with a $ 29
annual fee.
Add in the big sign - up bonus, and this
card can easily pay for itself and then some, even
with an
annual fee of Earn 50K bonus points after you spend $ 4,000 on purchases in the first 3 months from account opening.
It doesn't require a minimum credit score — making it one
of the easiest
cards to get — and comes
with no
annual fees.
One
of the best low -
annual -
fee credit
cards to start off
with is the Chase Sapphire Preferred ®
Card, but take a look at our other travel reward credit
cards too.
However, you need to spend at least $ 9,000 in order to come out ahead
of cards with lower
annual fees - such as the Capital One ® Spark ® Cash for Business.
Rewards
cards had the highest average
annual fee of cards with fees that were included in our study.
Along
with an
annual fee of $ 0, the Bank
of America ® Travel Rewards credit
card boasts no foreign transaction
fees.
On top
of all
of that, the credit
card processing plan comes
with a $ 9.95 monthly
fee, bringing your total
annual fees to $ 178.80.
Chase Sapphire Preferred ® offers one
of the largest sign - up bonuses we know
of for a
card with a low
annual fee.
Airline and hotel
cards had the highest concentration
of cards with annual fees — 88 % and 89 % respectively.
It's important to note that some
of these
cards may come
with an
annual fee, but the
cards we recommend do not.
Some financial establishments also offer
cards with low intro rates and perks such as cash back, a long introductory period
of 18 months, no
annual fee or
annual fee waivers, and many others.