how much do you spend in a year for AF?

[Anonymous]

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@Turbobuick wrote:

Zero. 

I am blown away at some of these posts though. Obviously, there are some big spenders to justify those fees. I remember getting Amex green card offers in the '80's for $49 then later for $75 AF's. I've never considered owning a frequent flyer card with AF probably because my wife won't fly unless its an emergency and then I have to drug her. 

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It's not all big spenders though.  Some of the cards, such as the hotel cards, will quickly more than pay for themselves iregardless of spend, n free stays, and similarly with those offering companion tickets.   It's some of  the more common choices here, such as CSP and PRG, that really do need a lot of spending to justify after the first year.

[Stralem]

[insert argument about individual needs and the different reasons people willingly pay annual fees here]

[insert ensuing drama here]

[Imperfectfuture]

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@Stralem wrote:

[insert argument about individual needs and the different reasons people willingly pay annual fees here]

[insert ensuing drama here]

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He's/she's got jokes.

[Anonymous]

My old starter cards are costing over 200.00 a year.  I do need to close them.  I aimed for all of my new cards without AF's & good rewards.  AMEX is excellent in rewards.  Almost wondering if I should switch over to the one with the yearly fee.  Once I got past those little limit crappy ones, I really have no use for them.  But everytime I call to cancel they talk me into keeping them "just a bit longer".  

[Anonymous]

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@Turbobuick wrote:

Zero. 

I am blown away at some of these posts though. Obviously, there are some big spenders to justify those fees. I remember getting Amex green card offers in the '80's for $49 then later for $75 AF's. I've never considered owning a frequent flyer card with AF probably because my wife won't fly unless its an emergency and then I have to drug her. 

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Eh, I can justify some AF's but I will be looking at changing cards and some AF will go up but many will disappear. Once I can get on Citi's radar i'm going to be looking hard at the Prestige but will only bite with the $350 AF.

[sillykitty1]

CSP                    $95       

Marriott               $85       

Amex Plat          $450      my company will reimburse

Venture              $59        will cancel if not waived

Delta Plat           $195      will most likely downgrade to Gold @ $95

JCB                     $25       

Ritz                      $395      will cancel after the 1st year

US Air                 $89        will cancel after the 1st year

Total                     $1,393

It's a lot of AF but each one has a benefit that outweighs the AF (for me and my spend)

CSP - UR points are more valuable than CB & primary auto coverage

Marriott - Beyond the free night (cat 1-5 isn't very useful for me), the 15 night elite credit & 5 pts on Marriot spend

Amex Plat - Delta Sky Club access & $200 airline credit (Delta gc's)

Venture - no benefit, will not pay the AF

Delta Plat or Gold - MQD waiver (flights are inexpensive so far this year, I will hit the miles requirement easily, but prob not the MQD)

JCB - Uncapped 3% CB

Ritz - will only keep for 1 year and will get $600 in airline gc's and 140K points

US Air - will only keep for 1 year and will get 50K mile

[nachoslibres]

Barclaycard Arrival+ - $89

Chase Ink Bold - $95

Barclaycard Arrival+ is definitely worth it, in a year and a half of having it I've received over $3,800 in basically cash back and currently have about $200 worth of cash back waiting to be redeemed.

Chase Ink Bold hasn't had the AF hit yet, but I have almost 160,000 UR sitting in my account (between the Bold and the Freedom) that I plan on using one day for a trip overseas.

Also, since I use both cards for my business I write both the AF's off on my taxes.

[takeshi74]

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@bigblue7722 wrote:

So if you had to pay all your AF for the year how much would it add up to?

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$360.

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@bigblue7722 wrote:

Which cards are you thinking about closing??

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None.  I wouldn't be paying the AF's if there wasn't a net gain.

[toothgrind3r]

Amex SPG - $65 - Just got it, will keep for a year and see if I want to close or not.

Citi HHonors Reserve - $95 - Fee was worth if when I was using it heavily as a combo with Amex HHonors no fee version.  But now that I am trying out Amex SPG, going to have to decide which way I wanna go.  Hilton or SPG.  One stays, one goes.

Virgin America Visa - $49 - I am torn on this one.  I try to fly Virgin as much I can, and the annual $150 credit for a companion ticket more then makes up for the fee.  But Comenity bugs me!  So, we'll see about this one.

So that's $209 total.  

[kdm31091]

No AF's right now for me. I cannot find any AF card that I could justify the fee on after the first year.