Annual Fees Credit Cards

[TheBoondocks]

Hey guys, I was wondering I was thinking about getting either the BoA Premium Rewards as it pays for itself. But, I know that I have to pay the $95 upfront on the first of the following month, but if I use for incidental, I would get it in statement credit, which is the same but I would call BOA to send me a refund check.

But for the Prestige, I heard I could get it for $350, if I use the airline credit it would be $100, however I would have to push out $350 first. I remember getting the Chase Reserve before the $450 was billed, I used the $300 once I got the card and it went down to $150, would it be the same with the Prestige? And I hear that the Prestige would keep long term.

Honestly, I just use it for the airline credit, roadside assistance and for the categories for points, I already have more than a 130k in UR, just trying to build another program.

[Anonymous]

Is there a question in your post somewhere?

[TheBoondocks]

Yeah, read it again it's hiding in the paragraph lol.

[Anonymous]

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@TheBoondocks wrote:
Yeah, read it again it's hiding in the paragraph lol.

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I suggest re-writing your post. I have read it 4 times and I still don't understand what you are trying to do. 

[Anonymous]

If you are asking whether or not you will get reimbursed for the travel credits and then having to pay a lower annual fee because of it the first month (I think that's your question, but I'm not really sure), the answer is no. At least I think it's no. I'm a little confused. Take chase for an example. They bill you the $450 annual fee. You then spend $300 in travel the first month. Let's say that's reimbursed within a few days. The $300 charge will disappear, but you'll still have to pay the $450 annual fee.

Does this answer your question?

[TheBoondocks]

Alk, yessir you just hit it on the nail, that's exactly my question and yeah that makes sense. Thanks!