Is Your Credit Card Worth the Annual Fee?

For every card with an annual fee, we weigh the fee against its statement credits, everyday rewards, and welcome bonus, then give a straight verdict. 129 cards, every point valued at a flat 1 cent.

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Is the The Centurion® Card from American Express Worth It?

$5,000 annual fee, no statement credits. The full breakdown and verdict.

Is the American Express® Platinum Worth It?

$895 annual fee, up to $1,229 in credits. The full breakdown and verdict.

Is the American Express® Platinum for Morgan Stanley Worth It?

$895 annual fee, up to $1,229 in credits. The full breakdown and verdict.

Is the American Express® Platinum for Schwab Worth It?

$895 annual fee, up to $1,229 in credits. The full breakdown and verdict.

Is the American Express® Business Platinum Worth It?

$895 annual fee, up to $1,530 in credits. The full breakdown and verdict.

Is the Chase Sapphire Reserve® Worth It?

$795 annual fee, up to $2,108 in credits. The full breakdown and verdict.

Is the J.P. Morgan Reserve Card Worth It?

$795 annual fee, up to $300 in credits. The full breakdown and verdict.

Is the Chase Sapphire Reserve for Business℠ Worth It?

$795 annual fee, up to $400 in credits. The full breakdown and verdict.

Is the United℠ Club Worth It?

$695 annual fee, no statement credits. The full breakdown and verdict.

Is the Robinhood Platinum Card Worth It?

$695 annual fee, up to $700 in credits. The full breakdown and verdict.

Is the United Club℠ Business Card Worth It?

$695 annual fee, no statement credits. The full breakdown and verdict.

Is the Delta SkyMiles® Reserve Worth It?

$650 annual fee, no statement credits. The full breakdown and verdict.

Is the Marriott Bonvoy Brilliant® Worth It?

$650 annual fee, up to $300 in credits. The full breakdown and verdict.

Is the Citi Strata Elite℠ Worth It?

$595 annual fee, up to $700 in credits. The full breakdown and verdict.

Is the Citi® / AAdvantage® Executive Worth It?

$595 annual fee, no statement credits. The full breakdown and verdict.

Is the Hilton Honors Aspire Worth It?

$550 annual fee, up to $600 in credits. The full breakdown and verdict.

Is the Bank of America® Premium Rewards® Elite Credit Card Worth It?

$550 annual fee, up to $570 in credits. The full breakdown and verdict.

Is the Delta SkyMiles® Reserve Business Worth It?

$550 annual fee, no statement credits. The full breakdown and verdict.

Is the JetBlue Premier Worth It?

$499 annual fee, no statement credits. The full breakdown and verdict.

Is the Emirates Skywards Premium World Elite Mastercard® Worth It?

$499 annual fee, no statement credits. The full breakdown and verdict.

Is the Qatar Airways Privilege Club Infinite Credit Card Worth It?

$499 annual fee, no statement credits. The full breakdown and verdict.

Is the Bilt Palladium Worth It?

$495 annual fee, up to $600 in credits. The full breakdown and verdict.

Is the HSBC Elite World Elite Mastercard® Worth It?

$495 annual fee, up to $780 in credits. The full breakdown and verdict.

Is the The Ritz-Carlton® Credit Card Worth It?

$450 annual fee, up to $400 in credits. The full breakdown and verdict.

Is the Capital One Venture X Worth It?

$395 annual fee, up to $500 in credits. The full breakdown and verdict.

Is the Atmos Rewards Summit Worth It?

$395 annual fee, no statement credits. The full breakdown and verdict.

Is the Wyndham Rewards Earner® Premier Card Worth It?

$395 annual fee, up to $220 in credits. The full breakdown and verdict.

Is the Capital One Venture X Business Worth It?

$395 annual fee, up to $520 in credits. The full breakdown and verdict.

Is the American Express® Business Gold Worth It?

$375 annual fee, up to $240 in credits. The full breakdown and verdict.

Is the Delta SkyMiles® Platinum Worth It?

$350 annual fee, no statement credits. The full breakdown and verdict.

Is the United℠ Quest Worth It?

$350 annual fee, up to $200 in credits. The full breakdown and verdict.

Is the Citi® / AAdvantage® Globe™ Mastercard® Worth It?

$350 annual fee, no statement credits. The full breakdown and verdict.

Is the American Express® Gold Worth It?

$325 annual fee, up to $424 in credits. The full breakdown and verdict.

Is the Crypto.com Royal Indigo / Jade Green Worth It?

$300 annual fee, no statement credits. The full breakdown and verdict.

Is the Southwest Rapid Rewards® Performance Business Worth It?

$299 annual fee, no statement credits. The full breakdown and verdict.

Is the Amex Graphite Business Cash Unlimited Card Worth It?

$295 annual fee, no statement credits. The full breakdown and verdict.

Is the Citizens Summit Reserve® World Elite Mastercard® Worth It?

$295 annual fee, up to $240 in credits. The full breakdown and verdict.

Is the Marriott Bonvoy Bountiful® Worth It?

$250 annual fee, no statement credits. The full breakdown and verdict.

Is the Marriott Bonvoy Bevy™ American Express® Card Worth It?

$250 annual fee, no statement credits. The full breakdown and verdict.

Is the Avianca LifeMiles American Express® Elite Card Worth It?

$249 annual fee, no statement credits. The full breakdown and verdict.

Is the Southwest Rapid Rewards® Priority Worth It?

$229 annual fee, up to $75 in credits. The full breakdown and verdict.

Is the World of Hyatt Business Credit Card Worth It?

$199 annual fee, no statement credits. The full breakdown and verdict.

Is the Alibaba.com Business Edge Credit Card Worth It?

$199 annual fee, no statement credits. The full breakdown and verdict.

Is the Ink Business Premier Worth It?

$195 annual fee, no statement credits. The full breakdown and verdict.

Is the U.S. Bank Business Altitude® Power Visa Signature® Worth It?

$195 annual fee, no statement credits. The full breakdown and verdict.

Is the Delta SkyMiles® Platinum Business Worth It?

$195 annual fee, no statement credits. The full breakdown and verdict.

Is the Hilton Honors American Express Business Card Worth It?

$195 annual fee, no statement credits. The full breakdown and verdict.

Is the American Express® Green Worth It?

$150 annual fee, up to $199 in credits. The full breakdown and verdict.

Is the Delta SkyMiles® Gold Worth It?

$150 annual fee, up to $200 in credits. The full breakdown and verdict.

Is the Hilton Honors Surpass® Worth It?

$150 annual fee, up to $200 in credits. The full breakdown and verdict.

Is the United℠ Explorer Worth It?

$150 annual fee, no statement credits. The full breakdown and verdict.

Is the Capital One Spark Cash Plus Worth It?

$150 annual fee, no statement credits. The full breakdown and verdict.

Is the United℠ Business Card Worth It?

$150 annual fee, no statement credits. The full breakdown and verdict.

Is the Delta SkyMiles® Gold Business Worth It?

$150 annual fee, no statement credits. The full breakdown and verdict.

Is the Southwest Rapid Rewards® Premier Worth It?

$149 annual fee, no statement credits. The full breakdown and verdict.

Is the Disney® Inspire Visa® Card Worth It?

$149 annual fee, up to $2,320 in credits. The full breakdown and verdict.

Is the Southwest Rapid Rewards® Premier Business Worth It?

$149 annual fee, no statement credits. The full breakdown and verdict.

Is the Wyndham Rewards Earner® Business Card Worth It?

$149 annual fee, no statement credits. The full breakdown and verdict.

Is the Marriott Bonvoy Business® American Express® Card Worth It?

$125 annual fee, no statement credits. The full breakdown and verdict.

Is the BJ's One+™ Mastercard® Worth It?

$110 annual fee, no statement credits. The full breakdown and verdict.

Is the Citi® / AAdvantage® Platinum Select® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Credit One Bank® Platinum Visa® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Milestone® Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Indigo® Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Destiny® Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Southwest Rapid Rewards® Plus Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the JetBlue Plus Worth It?

$99 annual fee, up to $100 in credits. The full breakdown and verdict.

Is the IHG One Rewards Premier Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the IHG One Rewards Premier Business Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the CitiBusiness® / AAdvantage® Platinum Select® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the JetBlue Business Card Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Frontier Airlines World Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Emirates Skywards Rewards World Elite Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Virgin Red Rewards World Elite Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Cathay World Elite Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Qatar Airways Privilege Club Signature Credit Card Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Avianca LifeMiles American Express® Card Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the LATAM Airlines World Elite Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Avelo Airlines World Elite Mastercard® Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the Turkish Airlines Miles&Smiles Premier Visa Signature® Card Worth It?

$99 annual fee, no statement credits. The full breakdown and verdict.

Is the One Key+™ Card Worth It?

$99 annual fee, up to $100 in credits. The full breakdown and verdict.

Is the Surge® Platinum Mastercard® Worth It?

$96 annual fee, no statement credits. The full breakdown and verdict.

Is the Chase Sapphire Preferred® Worth It?

$95 annual fee, up to $230 in credits. The full breakdown and verdict.

Is the American Express® Blue Cash Preferred Worth It?

$95 annual fee, up to $84 in credits. The full breakdown and verdict.

Is the Capital One Venture Worth It?

$95 annual fee, up to $100 in credits. The full breakdown and verdict.

Is the Citi Strata Premier℠ Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the USAA Eagle Navigator® Visa Signature® Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Truist Enjoy Beyond Visa® Credit Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Bilt Obsidian Worth It?

$95 annual fee, up to $300 in credits. The full breakdown and verdict.

Is the Wells Fargo Autograph Journey℠ Worth It?

$95 annual fee, up to $50 in credits. The full breakdown and verdict.

Is the Marriott Bonvoy Boundless® Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Atmos Rewards Ascent Worth It?

$95 annual fee, up to $99 in credits. The full breakdown and verdict.

Is the Ink Business Preferred® Worth It?

$95 annual fee, up to $10 in credits. The full breakdown and verdict.

Is the World of Hyatt Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Bank of America® Premium Rewards® Credit Card Worth It?

$95 annual fee, up to $200 in credits. The full breakdown and verdict.

Is the PenFed Pathfinder® Rewards Visa Signature® Card Worth It?

$95 annual fee, up to $100 in credits. The full breakdown and verdict.

Is the Capital One Venture Business Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the U.S. Bank Business Leverage® Visa Signature® Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the U.S. Bank Business Altitude® Connect Visa Signature® Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the American Express Business Green Rewards Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the British Airways Visa Signature® Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Aer Lingus Visa Signature® Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Iberia Visa Signature® Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Aeroplan® Credit Card Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the Choice Privileges® Select Mastercard® Worth It?

$95 annual fee, no statement credits. The full breakdown and verdict.

Is the HSBC Premier World Mastercard® Worth It?

$95 annual fee, up to $205 in credits. The full breakdown and verdict.

Is the TD First Class℠ Visa Signature® Credit Card Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the Sun Country Airlines® Visa Signature® Card Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the Miles & More® World Elite Mastercard® Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the Breeze Easy™ Visa Signature® Card Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the Air France KLM Visa Signature® Card Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the Best Western Rewards® Premium Mastercard Worth It?

$89 annual fee, no statement credits. The full breakdown and verdict.

Is the JAL USA CARD (Premium) Worth It?

$85 annual fee, no statement credits. The full breakdown and verdict.

Is the TAP Miles&Go American Express® Credit Card Worth It?

$79 annual fee, no statement credits. The full breakdown and verdict.

Is the Wyndham Rewards Earner® Plus Card Worth It?

$75 annual fee, no statement credits. The full breakdown and verdict.

Is the Atmos Rewards Visa Business Worth It?

$70 annual fee, no statement credits. The full breakdown and verdict.

Is the Costco Anywhere Visa® Worth It?

$65 annual fee, no statement credits. The full breakdown and verdict.

Is the Costco Anywhere Visa® Business Card Worth It?

$65 annual fee, no statement credits. The full breakdown and verdict.

Is the Allegiant Allways Rewards Visa® Worth It?

$59 annual fee, no statement credits. The full breakdown and verdict.

Is the Robinhood Gold Card Worth It?

$50 annual fee, no statement credits. The full breakdown and verdict.

Is the Coinbase One Card Worth It?

$50 annual fee, no statement credits. The full breakdown and verdict.

Is the Crypto.com Ruby Steel Worth It?

$50 annual fee, no statement credits. The full breakdown and verdict.

Is the Navy Federal Flagship Rewards Visa Signature® Worth It?

$49 annual fee, no statement credits. The full breakdown and verdict.

Is the Fortiva® Mastercard® Worth It?

$49 annual fee, no statement credits. The full breakdown and verdict.

Is the Disney® Premier Visa® Card Worth It?

$49 annual fee, no statement credits. The full breakdown and verdict.

Is the Total Visa® Card Worth It?

$48 annual fee, no statement credits. The full breakdown and verdict.

Is the First PREMIER® Bank Mastercard® Worth It?

$45 annual fee, no statement credits. The full breakdown and verdict.

Is the Capital One QuicksilverOne Worth It?

$39 annual fee, no statement credits. The full breakdown and verdict.

Is the Capital One SavorOne Worth It?

$39 annual fee, no statement credits. The full breakdown and verdict.