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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.