If your credit score is above average and moves into the fair score category, there is Credit One Bank Unsecured Visa card
which comes with annual fee but it can be offset by rewards program.
The third card Citibank offers for college students is the Platinum Select Visa or MasterCard
which comes with no annual fee, $ 0 Liability on unauthorized charges and 0 % Intro APR on purchases for 7 months.
Consider a card like the Discover it Secured Card, for example,
which comes with no annual fee.
This rates on the high side in comparison to many hotel cards,
which come with no annual fee.
There's also an offer out for the Blue Cash Preferred ® Card from American Express
which comes with an annual fee of $ 95.
Here we will analyze all three of Chase's Ultimate Rewards - earning cards
which come with an annual fee and determine if the benefits outweigh the costs depending on travel and spending habits.
The new Sam's Club MasterCard,
which comes with no annual fee, can be used anywhere MasterCard is accepted.
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.
This card
comes with an
annual fee of $ 39,
which isn't too lofty, but it's an added cost nonetheless.
And it's definitely worth noting, that there's the Sapphire Reserve card,
which comes with a higher
annual fee, but also
comes with more benefits.
You'll pay a $ 39
annual fee,
which comes with benefits like free credit monitoring and unlimited, 1.5 percent cash back
with every purchase.
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.
These cards often
come with annual fees, and different bonuses, making it difficult to figure out
which cards will allow you to make a net profit, and
which will only serve to burn a hole in your wallet.
The Citi ThankYou ® Premier is a travel rewards credit card,
which comes with a $ 95
annual fee (waived the first year).
Most of the cards we've selected above
come with no
annual fee,
which means that even if you open them for the Black Friday, they won't burn a hole in your wallet over the next year.
Long - Term Value: The Chase Sapphire Preferred ® Card
comes with a $ 95
annual fee (waived the first year),
which means you have to be a big spender in order to justify signing up for it.
On the other hand, most of the reward point credit cards
come with excessive
annual fees,
which may eat up your entire advantage.
The Ritz - Carlton Rewards ® Credit Card is a premium credit card,
which comes with a hefty
annual fee of $ 395 a year.
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.
This card
comes with an
annual fee that can be waived in the first year and a signup bonus based on certain spending criteria (
which can vary over time).
The downside of this option is that the cards that allow you to make these transfers
come with annual fees, such as the Chase Sapphire Preferred ® Card
which has a $ 95 ongoing
annual fee which is waived for the first year.
Choosing the United MileagePlus Club Card might save you $ 100 a year when it
comes to the
annual fee, but you'd only receive 50,000 bonus miles,
which are 10,000 less than Amex, and you'd only earn up to 1.5 miles per dollar on regular purchases and 2 miles per dollar on trips
with United.
This flat rate cash back card has no
annual fee and
comes with a 0 % intro APR for 15 months from account opening on purchases and balance transfers, after
which a regular 16.49 % - 25.24 % variable APR applies.
The gold cards
come with higher
annual fees, but all of the cards enable you to choose your security deposit amount,
which ranges from $ 200 to $ 5,000.
The Blue Cash Preferred Card,
which comes with a $ 95
annual fee, has a slightly more generous offering to make up for its upkeep cost.
Unlike some credit cards for people
with bad credit, this card might
come with an
annual fee,
which could be as high as $ 75 for the first year and $ 99 thereafter.
It
comes with a lower
annual fee of $ 69, and a lower
annual bonus of 3,000 points,
which ultimately makes it the worse deal between the two.
You may also have an easier time getting approved for the more exclusive credit cards
which may
come with a high
annual fee.
To start
with, the Reserve
comes with an
annual travel credit of $ 300,
which instantly knocks the net cost of the
annual fee down to $ 150.
Qualified Premier clients don't pay any
annual fee on the card,
which is a great deal considering all the benefits that
come with it.
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.
The Wells Fargo Propel 365 American Express ® Card
comes with an
annual fee,
which can make the math a little tricky.
It's also American Airlines» premium offering,
which means that it
comes with a hefty
annual fee and loads of perks.
It does
come with a hefty
annual fee of $ 95 per year
which is waived the first year.
However, it
comes with a $ 95
annual fee,
which is waived the first year.
While the Premier Rewards Gold Card from American Express has a $ 195
annual fee, it also
comes with a $ 100 airline
fee credit you can use to offset it,
which lets you consider their
annual fees to be equal at $ 95.
There are no
annual fees hampering the associated business that utilizes the Chase Ink Cash ® Business Card
which rewards businesses for their patronage; however, there are several standard
fees that
come with the Ink Cash ® Business Card.
The
annual fee,
which is waived for the first year, is only $ 95, and the card still
comes with some nice benefits.
Balance free companion ticket
with seat availability,
annual fee — The perk,
which comes with the Platinum Delta SkyMiles card by American Express, sounds great but you'll probably need flexible travel plans to use it... (See Companion ticket)
The Citi ® / AAdvantage ® Executive World Elite ™ Mastercard ® also
comes with Admirals Club Membership,
which is worth $ 450 - $ 550 and offsets the
annual fee of $ 450.
The Chase Marriott Rewards ® Premier Credit Card,
which has an $ 85
annual fee,
comes with some excellent perks for when you stay at Marriott properties.
The Prestige
comes with a $ 250
annual airline
fee credit,
which effectively makes the
annual fee only $ 200 per year.
The $ 75
annual fee Wyndham Rewards ® Visa ® Card
comes with Platinum status,
which is a nice jump start for people who have several upcoming Wyndham stays.
This card
comes with an
annual fee of $ 69,
which is lower than many cards that earn miles or points.
However, if you are already prepared to pay a yearly
fee, you are probably better off spending the additional $ 25 for Club Carlson's Premier card,
which comes with a much higher sign - up bonus and
annual bonus, as well as a longer list of hotel perks.
They can switch to the PenFed Platinum Rewards card,
which comes with the same 9.99 percent APR and no
annual fee.
The
annual fee,
which is waived for the first year, is only $ 95, and the card still
comes with some nice benefits.
Most of these co-branded credit cards
come with an
annual fee,
which banks can see as a guaranteed revenue stream for loyal customers
with higher - than - average income.
The Preferred card —
which has the same APR as the standard Sapphire card but
comes with an
annual fee after the first year, unlike the standard card — will now offer two points per dollar spent on travel and dining purchases.
It
comes with a $ 95
annual fee which is waived the first year.