That certainly gives you enough time to test if your cash back categories
make up for the annual fee in further years.
Not exact matches
The Ink Business Preferred carries a $ 95
annual fee, which it more than
makes up for with its ridiculously tempting sign -
up bonus: 80,000 bonus points when you meet the $ 5,000 spending minimum
in the first 3 months from account opening.
For dining alone, the CSP makes up its annual fee for me in about 3 mont
For dining alone, the CSP
makes up its
annual fee for me in about 3 mont
for me
in about 3 months.
However, this Barclays comes with an $ 89
annual fee, so there is a minimum amount you would have to spend
in order to
make up for this difference
in cost.
If you choose a category other than travel, you will only need to spend $ 4,000 per year
in that category to
make up for the $ 80 more
in annual fees for this card.
Some of these have
annual fees, so you need to
make sure you are
making up for that
fee in the card's use (yes, I'd prefer there were no
fees, but these cards will quickly pay
for themselves if you are using the benefits).
Keep
in mind this also adds
in the 6,000 point anniversary gift, which easily
makes up for the $ 99
annual fee, especially at the higher spending levels.
It would take approximately $ 17,000 +
in annual spending to
make up for this $ 116 deficit
in value (assuming a $ 100 hotel stay, plus the $ 16 difference
in annual fees), year - to - year - that is the point at which the 2.4 % rewards rate of the SPG beats out the 1.5 % rate users get from gas station, restaurant, and grocery spending.
However, as long as you spend at least $ 2,730 annually, the difference
in annual fees is more than
made up for with the greater rewards.
The difference
in anniversary points more than
makes up for the higher
annual fee.
a $ 200 value), this difference
in annual fees can be
made up for, over approximately four years.
While it does have a higher
annual fee than the IHG ® Rewards Club Traveler Credit Card — $ 95 (waived
for the first year) compared to $ 29 — the increased rewards earned on restaurant and travel will
make up for this if you can
make over $ 5,410
in non-IHG purchases per year within these categories.
The extra 1 % difference
in everyday awards will
make up for more than the
annual fee of the more expensive card at that point.
Unless you're investing
in a stock that's paying a 16 % to 24 %
annual dividend, that quarterly dividend will not be
making up for the commission
fees.
The extra 5,000 Elevate points you get each time you hit $ 10k is worth approximately $ 100 — that
makes up for the difference
in annual fees between the Virgin America Premium and non-premium credit cards.
If you can take advantage of this benefit,
in full, every year, it more than
makes up for the $ 95
annual fee.
Those two features, which are absent
in the «no
annual fee version», more than
make up for the
annual fee.
While you won't have to pay an
annual fee, if you keep a balance on your card you might end
up paying more
in interest over the year than you
make up for it
in rewards.
In my case, the savings in annual fees more than made up for the opportunity cost in «locking away» some cash in my chequing accoun
In my case, the savings
in annual fees more than made up for the opportunity cost in «locking away» some cash in my chequing accoun
in annual fees more than
made up for the opportunity cost
in «locking away» some cash in my chequing accoun
in «locking away» some cash
in my chequing accoun
in my chequing account.
Most cards that charge a sizable
annual fee also help
make up for the expense with valuable perks and an impressive sign -
up bonus
in the first year.
The fund manager charges a nominal
annual fee on the assets from which the ETF is composed, and the investors whose stocks
make up the funds receive a small interest charge
in exchange
for loaning those stocks.
With no
fee flat rate rewards cards like the Capital One ® Spark ® Cash Select offering 1.5 % back, you'll need to only spend about $ 2700 dollars
in the 5x categories to more than
make up for the $ 95
annual fee on the Ink Bold.
It will
make up for its higher
annual fee of $ 95 if your business spends more than $ 890 per year
in categories where it earns 3 points per dollar spent.
This is an extra $ 200 - $ 400 (or more) each year - easily
making up for the $ 20 difference
in annual fees, between the two cards.
It's hard to
make a case against signing
up for this card, it comes with a sign
up bonus worth $ 500
in cash or statement credit (using
for travel / gift cards doesn't
make a lot of sense, just redeem
for statement credit and then
make those travel / gift card purchases on the card instead) and you can also get $ 200
in travel incidental credits and only pay a $ 95
annual fee.
The
annual fee is not waived the first year, but the generous bonus easily
makes up for it
in our opinion.
Amex BCP does have a hefty
annual fee, but we find that we more than
make up for this
in cash back.
To decide whether the card is right
for you, you could do some quick math on the travel purchases you
make in a year to note whether you'd
make up for the card's
annual fee.
I would imagine that many others spend at least enough
in this double points area a year, $ 5000, to
make up for the
annual fee, especially if you
make business trips to Europe or across the country.
Let's say you spend only $ 1,000 at U.S. supermarkets
in a year and you used the card
for nothing else; you'd get just $ 60
in cash back over the 12 - month period — not enough to
make up for the
annual fee.
The sign -
up bonus
in conjunction with the waived
annual fee for the first year
makes it a risk - free proposition.
No - frills cards
make a comeback Direct mail offers
for cards with no rewards and no
annual fee jumped to 30 percent of all offers
in the fourth quarter of 2011,
up from just 13 percent during that time period the previous year, according to Mintel research.
Most cards that charge a sizable
annual fee also help
make up for the expense with valuable perks and an impressive sign -
up bonus
in the first year.
If you spend a lot of time
in airports, you'll almost certainly gain enough value from the Platinum card's complimentary benefits to more than
make up for the card's
annual fee — especially if you also typically travel to your hotels and other roadside destinations by taxi.
For example, if you assume a point value of 1 cent each, then it will take $ 45,000 in spending on this card just to make up for the annual card fee of $ 4
For example, if you assume a point value of 1 cent each, then it will take $ 45,000
in spending on this card just to
make up for the annual card fee of $ 4
for the
annual card
fee of $ 450.
The sign -
up bonus
in conjunction with the waived
annual fee for the first year
makes it a risk - free proposition.
This calculation will be unique to your situation, but the goal would be to utilize the travel and dining categories to fill
in any gaps, and use the travel portal and points transfer options to get enough value to
make up for the $ 95
annual fee.
Now's a good time to sign
up for the Citi ThankYou Premier card, since the card recently boosted its sign -
up bonus offer: If you can manage to spend $ 4,000 within the first three months of opening your account, you'll receive 50,000 bonus points that are worth
up to $ 625
in airfare or $ 500
in gift cards, more than
making up for the card's $ 95
annual fee (waived the first year).
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.
Additionally, cardholders enjoy a 0 percent introductory APR on purchases and balance transfers
for the first 15 months, no
annual fee, a $ 150 sign -
up bonus after spending $ 500
in the first 3 months and a $ 25 bonus after adding your first authorized user and
making a purchase
in 3 months.
To decide whether the card is right
for you, you could do some quick math on the travel purchases you
make in a year to note whether you'd
make up for the card's
annual fee.
In point value, you would have to earn 9,500 points each year to
make up for the
annual fee if you assume redemptions at $ 0.01 per point.
It looks as if the Arrival premier credit card has taken the place of the original Arrival card (the original card no longer seems to appear on the Barclays website) and what Barclays has done
in increase the
annual fee while providing little or no useful benefits to
make up for the increase.
Also, the fact that surcharges aren't imposed is a big plus that can
make up for some of those redemptions that appear to be on the higher side (although you still have to factor
in the high $ 149
annual fee).
For dining alone, the CSP makes up its annual fee for me in about 3 mont
For dining alone, the CSP
makes up its
annual fee for me in about 3 mont
for me
in about 3 months.
The 100,000 point signup bonus and the $ 200 airline credit (which I'll show Mike how to use effectively) will more than
make up for the $ 450
annual fee in year one....
Keep
in mind this also adds
in the 6,000 point anniversary gift, which easily
makes up for the $ 99
annual fee, especially at the higher spending levels.
In addition to points earned from spending, many credit cards offer benefits and perks, such as free anniversary nights at a hotel that can more than
make up for the cost of the
annual fee.
We can
make a similar calculation to the one before and divide $ 89 by the extra 0.60526 % you earn with the Arrival card to see that you need to spend over $ 14,704.42
in foreign transactions to
make up for the
annual fee.
Since AMEX is already losing money by offering points and waiving the
annual fee for the first year, they have to be hoping that they will
make this loss
up in future years.