6 credit cards with benefits worth more than their annual fee
Reward cards often come with substantial welcome bonuses that make an application a good deal. However, many of these cards have annual fees of $ 89 or more. It is therefore important for cardholders to get their money’s worth in the form of recurring benefits. Here are six cards with perks worth more than the annual fees.
The American Express Platinum Card®
For starters, the card comes with $ 200 annual airline credit. This can be applied to fees for checked baggage, onboard beverage purchases, and more. Cardholders can also go through security with Clear, if available – they can get up to $ 179 back on membership annually when purchased with the card. $ 200 Uber credit for trips in the US will be distributed in increments of $ 15 ($ 35 in December) along with Uber VIP status. All of this adds up to $ 485 to $ 500 in credits. Using them all can nearly cover the cost of the annual fee. Conditions apply.
Additional benefits include Hilton and Marriott Gold Elite status, which are valuable card benefits that you can use to save while traveling. Hilton Honors Gold members receive 80% reward points, free breakfast, room upgrades and a free 5th night on award redemptions. Conditions apply.
The American Express Platinum Card® Also gives cardholders Priority Pass Select membership (registration required) and access to the AmEx Centurion Lounge network. And don’t forget the various resort credits, room upgrades and gifts available with bookings made through AmEx Fine Hotels & Resorts and The Hotel Collection. Depending on usage, all of these perks can be valued at well over $ 100, which is what the $ 695 Annual fee is well worth it if you use it. Conditions apply.
The American Express Business Platinum Card®
Many of the perks are the same as on the Personal Card, including $ 200 annual airline fee credit, Global Entry / TSA PreCheck application fee credit, AmEx Global Lounge Collection access, Hilton and Marriott Gold status and the ability to book free travel extras through the Fine Hotels & Resorts and Hotel Collection programs. Conditions apply.
Additionally, The American Express Business Platinum Card® comes with $ 200 total Dell bank statements each year. Conditions apply.
Cardholders also benefit from higher earning power and savings when redeeming rewards: All purchases over US $ 5,000 receive 1.5 points for every US dollar spent. When you use points on business and first class fares, you get 35% of your points back (up to 500,000 per year). This can result in significant savings if you frequently book premium cabin flights with this card. Conditions apply.
To get prices and fees from. to display The American Express Business Platinum Card®, see this page.
Hilton Honors American Express Aspire Card
the Hilton Honors American Express Aspire Card is packed with perks worth more than the $ 450 annual fee. In exchange, cardholders receive recurring annual benefits such as $ 250 Hilton Resort Credit, $ 250 Airline Fee Credit, $ 100 Hilton Credit for two-night paid bookings, Annual Complimentary Weekend Night Award, a Priority Pass Select membership and more. Conditions apply.
Unusually for a hotel reward card, this card also offers elite status at the highest level. Hilton Diamond members earn 100% bonus points and receive free breakfast, lounge access, room upgrades and welcome gifts. All of this adds up to a value well in excess of the $ 450 annual fee. Conditions apply.
Marriott Bonvoy Brilliant ™ American Express® card
The Marriott Bonvoy Brilliant ™ American Express® Card is another credit card from the hotel brand with an annual fee of $ 450 and additional perks. Cardholders will receive a Marriott statement of $ 300 per year and a free anniversary award night. The free night can be redeemed for Marriott hotels that require 50,000 points per night or less. In addition, the card issues $ 100 in Global Entry credit every 4 years or $ 85 in TSA PreCheck every 4.5 years. These benefits easily add up to a value of $ 450. Conditions apply.
The Marriott Bonvoy Brilliant ™ American Express® Card rewards members for their loyalty with a $ 100 Marriott Credit for bookings of two or more nights at Ritz Carlton or St. Regis hotels. Cardholders also receive Marriott Gold status with the option to upgrade to Platinum after spending $ 75,000 on the card in a calendar year. Conditions apply.
All of this can add up to a value well in excess of $ 450.
IHG® Rewards Club Premier Credit Card
the IHG® Rewards Club Premier Credit Card has the lowest annual fee on this list, but there is definitely no shortage of perks. In exchange for a $ 0 introduction for the first year, then $ 89 Annual fee cardholders receive IHG Platinum status and a free annual award night that can be redeemed at any IHG hotel at the price of up to 40,000 points per night. For that alone it is worth paying the annual fee. Whether you use your free night at a local Holiday Inn or a lower to mid-range Intercontinental while traveling abroad, you are sure to get more out of that free night than the annual fee on the IHG® Rewards Club Premier Credit Card.
In addition, cardholders receive the fourth night free of charge when redeeming rewards. That’s 25% savings, which is no small amount.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has an annual fee of $ 0 introduction for the first year, then $ 99. The card may seem inconspicuous at first glance, but it offers an annual benefit that more than offsets the annual fee: Cardholders who spend $ 20,000 in a calendar year receive a flight discount of $ 125.
If you have that Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Chances are you’ll fly American Airlines at a paid fare at least a few times a year. If so, you can use the flight discount of USD 125 wisely. If you manage to put $ 1,667 worth of monthly household expenses on the card, that’s a nice return on top of the miles you earn.
Cardholders will also receive the first checked bag for up to four passengers on the same reservation free of charge. A one-way trip with four checked bags is enough to pay the annual fee for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.
All information about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, and Marriott Bonvoy Brilliant ™ American Express® Card were collected independently from NerdWallet. the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, and Marriott Bonvoy Brilliant ™ American Express® Card is no longer available through NerdWallet.
All information about the Hilton Honors American Express Aspire Card was collected independently from NerdWallet. the Hilton Honors American Express Aspire Card is no longer available through NerdWallet.
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