One of the other reasons why I love using my Discover card is because it has a lot of protections that you see on a lot
of high annual fee cards.
What takes this card over the top is that it comes with features that are usually expected with
high annual fee cards at no additional cost, such as the $ 100 annual travel fund and the Annual Global Entry / TSA PreCheck benefit.
All the other credit cards that offer a Priority Pass membership with unlimited visits are
also high annual fee cards, such as the Amex Platinum or the City National Bank Visa Infinite.
Oh, and don't forget to cancel all of
those high annual fee cards to avoid paying a bundle for those «free» flights.
That's exceptionally annoying for such
a high annual fee card, and certainly another major knock against applying.
As you can see, these cards are very similar but have different benefits for business versus personal customers, and
the higher annual fee cards have more perks than their no - fee cousins.
That being said there's a lot of value to be had in Amex, even
the high annual fee cards, and even though United is not a Membership Rewards transfer partner, as I highlight here.
It's not entirely fair that I've lumped all
these high annual fee cards together.
If you're concerned about
the higher annual fee cards in the list, read this post about how the benefits far outweigh and offset the annual fee, particularly in the first year of membership.
But once you understand the value you receive from
a high annual fee card and how you can utilize travel credits to mitigate these fees, the fees actually become pretty reasonable.
Conventional Wisdom says
these high annual fee cards are worth the money because of all the valuable benefits.
If you're not focused on earning MQMs and don't mind
a high annual fee card, these are all likely better options than the Delta Reserve.
While a lot of people agreed
that high annual fee cards are often not worth keeping beyond the first year, we were reminded by one of our regular readers Darth Chocolate that people who travel internationally on a frequent basis and truly utilize a premium card's benefits can find real value in that high annual fee.
Let's assume you're not interested in getting
a high annual fee card right now like the Citi Prestige.
(No annual fee and cash back also separate the Uber card from
the high annual fee cards currently wooing millennials.)