Best Credit Cards With Annual Fees

By Jason Steele. Last updated 18 October 2018. 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.

Capital One® Savor® Cash Rewards Credit Card

The  offers unlimited 4% cash back on dining and entertainment, 2% on grocery store purchases, and 1% on all other purchases. Plus, get access to premium experiences in dining, entertainment and more. There is a $0 intro annual fee for the first year — after that, it is $95. There is no foreign transaction fee for this card.

Bonus offer: New cardholders can earn a one-time $500 cash bonus after spending $3000 on purchases within the first 3 months from account opening.

Chase Sapphire Preferred® Card

The 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®.

Capital One® Venture® Rewards Credit Card

The offers a straightforward points system — get 2x miles per dollar, unlimited, on every purchase and unlimited 10x miles on hotels when you pay with your Venture card at 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. This card includes up to a $100 application fee credit for Global Entry or TSA Pre✓®. There are no foreign transaction fees. The $95 annual fee is waived for the first year.

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

The 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, on gas purchasees, and at restaurants, and one mile per dollar spent on all other purchases. You can redeem miles for award flights with American Airlines or OneWorld airline partners.

Other reasons that the card is worth the annual fee include extra boarding privileges on American Airline flights, 25% savings on inflight 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. Plus, earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card. The $99 annual fee is waived for the first 12 months.

Bonus offer: Earn up to 50,000 American Airlines AAdvantage® bonus miles – 40,000 AAdvantage® miles after making $2,000 in purchases in the first 3 months and 10,000 miles after making a total of $6,000 in purchases in the first 12 months of account opening.*

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