POLL: Which cards do you keep with an AF and why?

[brother7]

I have 8 cards, all with zero AF. But I understand that cards exist who's benefits outweigh the AF they charge. I hope the myFICO community can clue me in.

Which cards do you keep that charge an AF? And why?

EDIT: Meant to post this on the Credit Cards board. Can a Mod move it please?

[llecs]

So moved...

[tcbofade]

I have a 2% rewards card that I pay a $39 annual fee for.

2012 = $275 in rewards, for a $39 fee. 

[blondy250]

Simple, I get a lot more in points and  travel benefits then the annual fee (Amex Plat) by far. Its the only card that I use anymore, I charge between 2500-3500K a month so I easliy recoup my fee.

[Anonymous]

The only AF card I have is the Amex BCP. It has a $75 AF, but as has been hashed out elsewhere, if you spend even a middling amount of money at grocery stores, it more than pays for itself. It's nice, because there is both a Safeway and a Whole Foods within a couple blocks of me, so it definitely gets used.

[Anonymous]

Amex Green - $95 AF. I more than make up for the annual fee with statement credit from Twitter/Facebook deals and Small Business Saturday.

Cap1 Venture - $59 AF. It just converted to a Venture; it was previously an old Platinum Visa that I opened in 1999. It has always had a $59 AF, but with the conversion to Venture I should get significantly more than enough rewards to offset.

Cap1 NHCR MC - $39 AF. I was going to cancel it last year, but decided to keep it and put my DD on as an AU. It's become a card for her to learn how to handle credit, and with her putting all of her gas and grocery spending on it, I'm more than making up the AF. It's a win-win.

[bs6054]

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@tcbofade wrote:

I have a 2% rewards card that I pay a $39 annual fee for.

2012 = $275 in rewards, for a $39 fee. 

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Which card?  Fidelity Amex and Priceline Visa are 2% with no AF.

[brother7]

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@tcbofade wrote:

I have a 2% rewards card that I pay a $39 annual fee for.

2012 = $275 in rewards, for a $39 fee. 

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Can't you get 2% rewards with Priceline Visa or Fidelity Investment Rewards, either of which doesn't charge an AF?

[Anonymous]

Citi Thank You Premier for the companion air ticket and annivesary % of annual spend bonus Thank you points and Chasw Southwest Premier. 6,000 anniversary miles every year. As long as the benefit outweighs the AF

[tcbofade]

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@brother7 wrote:

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@tcbofade wrote:

I have a 2% rewards card that I pay a $39 annual fee for.

2012 = $275 in rewards, for a $39 fee. 

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Can't you get 2% rewards with Priceline Visa or Fidelity Investment Rewards, either of which doesn't charge an AF?

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No, I can't. 

My utilization is awfully high right now, and my scores won't qualify...