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?
I have a 2% rewards card that I pay a $39 annual fee for.
2012 = $275 in rewards, for a $39 fee. 
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.
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.
Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
@tcbofade wrote:I have a 2% rewards card that I pay a $39 annual fee for.
2012 = $275 in rewards, for a $39 fee.
Which card? Fidelity Amex and Priceline Visa are 2% with no AF.
@tcbofade wrote:I have a 2% rewards card that I pay a $39 annual fee for.
2012 = $275 in rewards, for a $39 fee.
Can't you get 2% rewards with Priceline Visa or Fidelity Investment Rewards, either of which doesn't charge an AF?
@brother7 wrote:
@tcbofade wrote:I have a 2% rewards card that I pay a $39 annual fee for.
2012 = $275 in rewards, for a $39 fee.
Can't you get 2% rewards with Priceline Visa or Fidelity Investment Rewards, either of which doesn't charge an AF?
No, I can't.
My utilization is awfully high right now, and my scores won't qualify...