Sentences with phrase «points than the annual fee»

Make sure you compare credit cards rewards to ensure that your annual spending will yield more points than the annual fee.

-- For spending in non-bonus categories the no annual fee Closed System cards (Amex Blue and Chase Freedom) earn just as many, or more points than annual fee based cards.

Not exact matches

It has a much higher annual fee than the Preferred — $ 450 — but in exchange for that, you'll get a $ 300 statement credit each cardmember year to cover your first $ 300 of travel charges, and a higher earning rate of 3x points on travel and dining purchases.

The $ 140 or so worth of points I earn a year is $ 40 more than my annual fee, and I also get 6000 points with my annual fee.

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.

Annual Fee: $ 95 ($ 0 the first year) Reasons to Consider: 1:1 point transfer partners / 2x points on all travel and dining purchases If you primarily want a card that makes it easy to earn and redeem rewards points, look no further than the Chase Sapphire Preferred.

The card comes with a 10 % annual points premium, $ 300 annual travel credit, and $ 100 hotel credit — all features which more than make up for the annual fee.

Many of the best no annual fee cash back credit cards like the Capital One ® Quicksilver ® Cash Rewards Credit Card or Fidelity Investment Rewards will get you better rewards rates and offer you cash back which is much more valuable than loyalty points.

That is the breakeven point at which, despite paying the $ 175 annual fee, The Business Gold Rewards Card from American Express OPEN will become more profitable than the no - annual - fee card.

Over the course of a career, reducing annual fees by just one percentage point can boost the size of your nest egg more than 25 %.

While it can be argued that the annual fee for the Propel World credit card is effectively lower ($ 175 annual fee - $ 100 airline incidental benefit = $ 75) than the Sapphire Preferred's ($ 95), it has fewer and lower point opportunities.

At this level of spending, our families more than make up for the annual fees of the card, which as we said above is equivalent to 9,500 points.

Paying the annual fee only makes sense for firms that spend more than that, since at that point the bonus rewards you get from using this card will outweigh your initial investment.

If a loans meets the following tests, it is covered under the law: 1) For a first - lien loan otherwise referred to as the original mortgage on the property - the Annual Percentage Rate (APR) exceeds by more than 8 percentage points compared against the rates on Treasury securities of comparable maturity; 2) For a second - lien loan otherwise referred to as a 2nd mortgage - the APR (Annual Percentage Rate) exceeds by more than 10 percentage points compared to the rates in Treasury securities of comparable maturity; or the total points and fees payable by the borrower at or before closing exceed the larger of $ 561 or 8 % of the total loan amount.

The card comes with a 10 % annual points premium, $ 300 annual travel credit, and $ 100 hotel credit — all features which more than make up for the annual fee.

On the point of the rewards, if the card is from a specific retailer, there could be a 10 % discount for using that card and if the person purchases more than a couple thousand dollars» worth from that store this is a savings of $ 200 from the retail prices compared to what would happen in other cases that more than offsets the annual fee.

But guarantees cost money, so most seg funds charge annual fees at least a half a percentage point higher than comparable mutual funds.

The difference in anniversary points more than makes up for the higher annual fee.

Since both cards have no annual fee, we recommend getting both if your credit score allows it - use your The Amex EveryDay ® Credit Card from American Express whenever you can get 2 % savings using it, and the Chase Freedom ® every other time - due to their higher value, you will be better off earning 1 UR point per $ 1, rather than one MR point.

The card lets you earn FOUR extra percentage points on the first $ 6,000 in U.S. supermarket spending alone in the year: this surplus above the BankAmericard more than pays for the annual fee of $ 95.

Although the card's annual fee of $ 450 is not waived for the first year, you can enjoy all the benefits, such as free lounge access and concierge service, essentially for free because the value of card's 40,000 points bonus more than offsets the cost.

The extra 1 % difference in everyday awards will make up for more than the annual fee of the more expensive card at that point.

Make sure the annual fees aren't more expensive than for what you redeem your points.

While you get half a point less on every purchase than you would with the United MileagePlus ® Club Card, your annual fee is also $ 355 lower.

Just the 60,000 - point introductory bonus offer alone is enough to help justify the cost of the annual fee for more than 6 years.

When used to purchase a free flight, the card's sign - up bonus of 30,000 points could snag you a round - trip ticket worth roughly $ 450, more than enough to justify the annual fee.

The $ 140 or so worth of points I earn a year is $ 40 more than my annual fee, and I also get 6000 points with my annual fee.

This also more than makes up for the annual fee of the card without accounting for point earnings at all.

It earns more points per dollar spent than other cards, has a broad choice of redemption options, charges no annual fee and doesn't require big spending.

If you're a small business owner who'd rather enhance cash flow than watch your mileage points grow, the Chase Ink Business Cash is one of the best no - annual - fee business credit cards you can own.

Considering that the current sign - up bonus is 50,000 Ultimate Rewards points, no matter how you look at it, you have more than covered the annual fee for the first year.

This is because its reward rate for non-IHG purchases — at either 1.28 % for the 2 point spending categories or 0.64 % for 1 point categories — is worse than you can get with a no annual fee cash back card like the Citi ® Double Cash Credit Card.

Though you will be earning points at a lower rate, the annual fee on the US Bank FlexPerks ® Travel Rewards Visa Signature ® Card is $ 49 (waived Y1)-- that is $ 36 less than the U.S. Bank FlexPerks ® Gold American Express ® Card.

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.

Readers should weigh or consider the perks that credit card is offering like cash back bonuses and reward points, because card holder can earn more money than what they are paying with annual fee.

Other than those scenarios we'd recommend trying to get a good retention bonus to waive or cover the annual fee, along with some bonus miles or points as well.

A credit card that does more than the basics is becoming a must - have for a lot of people, and with this product, you can look forward to a flexible rewards program, a lot of opportunities to earn bonus points and no annual fee.

In short, just by lowering the amount you pay in annual investment fees by a little more than half a percentage point a year, you could end up with about 12 % more in savings come retirement time, or an extra $ 115,000 in this example.

It competes favorably with other premium travel cards, and the generous rewards rate paired with the better points redemption value more than justify the high annual fee.

VWO's new expense ratio matches the 0.18 percent cost of the iShares Core MSCI Emerging Markets ETF (NYSEArca: IEMG), but remains 3 basis points higher than the annual fee on the Schwab Emerging Markets ETF (NYSEArca: SCHE), which costs 0.15 percent a year.

Just would like to sum up with this question to your fellow editor about a curious number (pardon the pun): Under the «NO foreign transaction fee» Marriott Rewards Premier Visa section recommending it, it reads «Out of the three cards, this is the only one that's seriously worth considering for everyday use» despite it being «one of only two» cards listed side by side that have «annual fees» after the first year (with Barb's choice the second one that loves charging 2.5 % «foreign transaction fees» upfront / from the start on all foreign transactions rebating «afterwards» as «reward points» statement all of them «except on returns and cash advances» where the fees remain); however this article shows «more than three cards» (though granted the Amazon.ca Visa is unavailable now for the new applicant plus the missing Mogo Visa is a prepaid one and whereas this year's (2017) new $ 149 annual fee HSBC Premier World Elite MC is exclusively for their premier clients only) so which «three cards» in that statement there would we talking about here?

According to Bloomberg in 2010, «Oaktree's 17 distressed - debt funds have averaged annual gains of 19 per cent after fees for the past 22 years — about 7 percentage points better than its peers».

Some cards generous for travel, give less in cash back rewards — If a travel card turns out to offer different rewards or fewer points than you expected, consider canceling it before the annual fee comes due... (See Travel rewards)

It revealed that, on average, median annual returns for employees who got help were more than 3 % (332 basis points, net of fees) higher than people who didn't get help across the six - year period covered by the study.

You will receive 5,000 bonus points each anniversary year — enough to cover more than a half of the annual fee.

Your free night will likely be worth more than the annual fee of $ 99, so any additional points you earn take you above and beyond the cost of the card.

The usual approach is to point out that since airline gift cards are reimbursed at face value, you're «actually» paying $ 200 (American Express Platinum) or $ 300 (Chase Ritz Carlton) less per calendar year than the annual fee would suggest.

Although the card's annual fee of $ 450 is not waived for the first year, you can enjoy all the benefits, such as free lounge access and concierge service, essentially for free because the value of card's 40,000 points bonus more than offsets the cost.

Considering that the current sign - up bonus is 50,000 Ultimate Rewards points, no matter how you look at it, you have more than covered the annual fee for the first year.

This card comes with an annual fee of $ 69, which is lower than many cards that earn miles or points.