@Anonymous wrote:
@Anonymous wrote:
Well, I offically can't garden. CANNOT so I must have a problem LOL. Just applied for the Ritz and got approval for $35K. Excited and grateful that this card is NOT part of Chase's 5/24 rule...
I almost jumped at the card but the fee just blew my mind once I read online that a person should never pay for a credit card so I usually keep to that because it's sound advice for how I use my cards but I do earn rewards just don't spend to earn as in the yearly fee's but Congrats! very sweet limit for one card.
I guess it all depends on how much you travel and use the perks. I spend nearly $2K in annual fees but the rewards I get in return are WAAAYYYY worth it. I travel for both work and personal a ton, eat out constantly so that's the main reason why it works for me. For example: The Ritz card has a $450 annual fee. The first year you get two nights free at a tier 1 - 4 Ritz and complimentary gold status (for where I would stay, worth up to about $2K) which gives you many perks including a 25% booster on your Ritz points (you can maintain if you spend $10K annually on that card). You also get a $100 credit for incidentials, spa, dining, etc. per paid two night stay. On top of that you get a $300 airline credit that can be used for upgrades, onboard purchases, baggage and lounge access. This is nice because I am out of Denver and there are no PP or Centurion lounges there, so I can buy my way into DL, AA or UA lounges. You also get the Visa Infinite perk of $100 off intineraries for two or more people when booked through thier site. Thier site pretty much matches the airline's pricing, so this benefit could save you a ton as you can use this feature as many times as you want. I get not wanting to pay annual fees, but if you can make those fees work for you, why not?
