Best Credit Cards With Annual Fees

By Jason Steele. Last updated 18 October 2017. 0 comments

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Many credit card users reach a certain point when they realize that they are able to get more benefits from credit cards that have an annual fee than they are from those that don't. Perhaps these cardholders use the extra travel benefits, or maybe they find themselves spending enough to justify paying for a card that offers a lot more rewards.

For those who are willing to pay an annual fee, the question then becomes how to find a card that offers the most valuable features relative to the cost of the annual fee. Here are the best cards that have the most competitive cost to benefit ratios.

Chase Sapphire Preferred® Card

The Chase Sapphire Preferred® Card is one of the most popular traveler rewards cards. Earn 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide. Points can then be redeemed for travel, gift cards, cash back, merchandise and more, or transferred to points and miles at full 1:1 value with participating frequent travel programs. There is a $95 annual fee for this card that is waived the first year, and no foreign transaction fees.

Bonus offer: Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $625 in travel when you redeem through Chase Ultimate Rewards®. Earn 5,000 more bonus points after adding the first authorized user and making a purchase — also within the first three months.

Click here to learn more and apply for the Chase Sapphire Preferred® Card today!

Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Credit Card offers a straightforward points system — get 2x miles per dollar, unlimited, on every purchase. Redeeming the points is just a matter of applying the miles to your travel purchases as statement credit. This method provides the traveler with the most flexibility in terms of airline and hotel stay options. You aren't limited by partners, blackout dates, or limited award seats. There are no foreign transaction fees. The $95 annual fee is waived for the first year.

Click here to learn more and apply for the Capital One® Venture® Rewards Credit Card today!

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® from our partner Citi, offers one of the best airline rewards programs available. Cardholders get two miles for each dollar spent on American Airlines purchases, and one mile per dollar spent on all other purchases. You can redeem miles for award flights with American Airlines or OneWorld airline partners, and you get a 10% rebate of your award redemptions, up to 10,000 miles, each calendar year.

Other reasons that the card is worth the annual fee include extra boarding privileges on American Airline flights, 25% savings on in-flight food and beverages, first checked bag free, and many other travel and card benefits. This card also includes access to the World Card Hotel and Resorts Program, which includes other extras like VIP status and complimentary breakfast. Limited time offer: For a limited time, you can earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening. There is no foreign transaction fee with this card.

Click here to learn more and apply for the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® today!

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