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cv91915

Current List of Annual Fee Cards in My Portfolio (Post Yours)

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How many of your current cards have an AF, how much do you spend on AFs, and what benefits do you get in return?

Here's our list in descending order by annual fee amount. I'll update this with any changes.

I'm not bothering to list any card benefits unless I receive value from them.

Cards that are listed as "on probation" are returning approximately the AF in benefits, but not significantly more.

I'm only listing a signup bonus if I'm still within the first year since opening the card.

Our total: $2,050/year.

American Express Platinum ($550)

[Running benefit tally is commingled in the linked Chase thread]

  • $500+ signup bonus
  • $400 travel credit ($200 annually x 2 in first 12 months)
  • $200 annual Uber credits
  • $100 annual Saks credits (begins July 2018)
  • Centurion Lounge access
  • Amex spending offers
  • Gold status at Hilton
  • 5X on airfare

Chase Sapphire Reserve ($450)

  • $750+ signup bonus
  • $600 travel credit ($300 annually x 2 in first 12 months)
  • 3X (4.5%+) on travel and dining

Citi AAdvantage Executive ($450)

  • 60,000-mile signup bonus
  • Admirals Club access (self + 3 AUs)

Barclays Aviator Silver ($195)

  • EQMs and EQDs toward status on AA via spending
  • 10% rebate on mileage redemptions

American Express SPG ($95 - on probation)

American Express Green ($95 - on probation)

Chase Marriott - Legacy Card ($85)

  • 6X on Marriott Spending
  • Annual "free night" in a category 1-5 hotel

Chase Marriott - Legacy Card - Spouse's ($85 - on probation)

  • Annual "free night" in a category 1-5 hotel
Edited by cv91915

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The only two I have are from AXP...the Platinum and also the SPG card.

 

Depending on what actually happens with the SPG offering in the wake of the Marriott merger, I may seek to change to something else. I don't typically stay at Marriott properties so I have not spent enough time looking at their rewards structure. However, even with the recent travels, I have been staying in non-SPG properties.

 

Platinum is not difficult to take advantage of and recoup the $550 annually...

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JPMR

Amex Plat

BCP

ICBC UP

Shatner Visa

Citi Prestige

Citi Premier

Barclayscard arrival+-

Alliant CU 2.5%

probably a few I forgot.

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Me

Amex Plat - $550

Amex PRG - $195

Chase CSP (converted Fairmont card) - $95

Amex EDP - $95

Amex Gold Delta SkyPesos - $95

Chase C$R AU - $75

 

Spouse

Chase C$R - $450

Amex Plat AU - $175

 

Total HH - $1,730

 

The benefits each card provide, as well as Amex Offers, more than cover the amount we pay.

Edited by get.randy

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I'm wondering the Amex personal green card relates to that D* symbol, I don't think you ever going to close that card. It's like donating funds on a yearly basis.

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I'm wondering the Amex personal green card relates to that D* symbol, I don't think you ever going to close that card. It's like donating funds on a yearly basis.

 

I've already earned back the $95 AF on the Greenie through spending offers. In the thread I linked I hadn't yet updated the table to reflect the six $20 Google Express offers I used across my Amices just this week. Updated summary table is below.

 

The D* 1995 card that's at risk is the SPG. So far I've only recouped $20, and with my scores where they are I'm not going to pay $95 a year just to keep one open D* trade line.

 

D90fUfX.png

 

For the first few years the SPG was a great spending card for us. It got us five nights at the Le Meridien in Barcelona a couple of summers ago, and we're using points for five nights at the W in London in August.

 

Barring a flood of useful spending offers on this card between now and when the next AF hits, the SPG is history. I'd also keep it open if I can get the AF waived next time around.

Edited by cv91915

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American Express BCP- $95 Average around $450/YR in rewards between 6% and Amex offers.

 

Spouse:

American Express BCP- $95 $250 Sign up bonus. $75 Referral credit from me. Plus over $100 in Amex offers. Will also use for spending on groceries once my card meets the $6K limit.

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JPMR

Amex Plat

BCP

ICBC UP

Shatner Visa

Citi Prestige

Citi Premier

Barclayscard arrival+-

Alliant CU 2.5%

probably a few I forgot.

UNFCU

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Our total: $1,965/year.

American Express Platinum ($550)

[Running benefit tally is commingled in the linked Chase thread]

  • $500+ signup bonus
  • $400 travel credit ($200 annually x 2 in first 12 months)
  • $200 annual Uber credits
  • $100 annual Saks credits (begins July 2018)
  • Centurion Lounge access
  • Amex spending offers
  • Gold status at Hilton
  • 5X on airfare

Chase Sapphire Reserve ($450)

  • $750+ signup bonus
  • $600 travel credit ($300 annually x 2 in first 12 months)
  • 3X (4.5%+) on travel and dining

Citi AAdvantage Executive ($450)

  • 60,000-mile signup bonus
  • Admirals Club access (self + 3 AUs)

Barclays Aviator Silver ($195)

  • EQMs and EQDs toward status on AA via spending
  • 10% rebate on mileage redemptions

American Express SPG ($95 - on probation)

American Express Green ($95 - on probation)

Chase Marriott - Legacy Card ($85)

  • 6X on Marriott Spending
  • Annual "free night" in a category 1-5 hotel

Chase Marriott - Legacy Card - Spouse's ($85 - on probation)

  • Annual "free night" in a category 1-5 hotel
  •  

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Got the QS1 with some sort of AF. Will call the EO to get it converted to no AF and AF refunded once the first year passes. 

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I have too many.

 

PRG - $195 - Plan to keep, but one eye open toward it.

Green - $95 - May be using this to upgrade to Platinum, if not by December, it will go.

Sapphire Preferred - $95 Plan to keep for UR conversions.

Marriott Business - $95 - *

SPG Business  - $95 - *

SPG Personal  - $95 - *

Aviator Red - $95 - On the way out.

Citi AA Gold - $50 -  Probably will convert to the No AF

Flagship - $49 - Plan to keep 

 

GT - $864

 

 

* Will keep as long as I keep getting worthwhile redemption on the annual cert (worthwhile is partly quantitative and partly a feeling about some theoretical upcoming redemption or redemptions) I may drop one or all of these 'in the end' because these are scheduled to roll in over a 6 month period and I'd rather have all three appear together or over a shorter time frame.

 

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Navy Federal Flagship $49

 

But I never really use it. I have been keeping it for the age on my file. I am looking at the new upgraded rewards to see if they are betting than any of my other cards.

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Our total: $2,615/year.

 

New additions in green.


American Express Platinum ($550)

[Running benefit tally is commingled in the linked Chase thread]

  • $500+ signup bonus
  • $400 travel credit ($200 annually x 2 in first 12 months)
  • $200 annual Uber credits
  • $100 annual Saks credits (begins July 2018)
  • Centurion Lounge access
  • Amex spending offers
  • Gold status at Hilton
  • 5x on airfare

Chase Sapphire Reserve ($450)

  • $750+ signup bonus
  • $600 travel credit ($300 annually x 2 in first 12 months)
  • 3x (4.5%+) on travel and dining

Citi AAdvantage Executive ($450)

  • 60,000-mile signup bonus
  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $750 sign-up bonus
  • $325 travel credit per membership year
  • 12 Gogo wifi passes ($120 value)
  • 4.5% back (3x) on mobile payment purchases
  • 4.5% back (3x) on travel purchases
  • More

[The New] American Express Gold ($250)

  • $500+ sign-up bonus
  • $200 travel credit ($100 annually x 2 in first 12 months)
  • $120 annual dining credit ($10/month at GrubHub and select restaurants)
  • 20% back on restaurants (first three months, up to $100)
  • 4x URs at restaurants
  • 4x URs at grocery stores (up to $25,000/year)
  • 3x on flights (but I'll use my Platinum for 5x)
  • More

Barclays Aviator Silver ($195)

  • EQMs and EQDs toward status on AA via spending
  • 10% rebate on mileage redemptions

American Express SPG ($95 - on probation)

American Express Green ($95 - on probation)

Chase Marriott - Legacy Card ($85)

  • 6X on Marriott Spending
  • Annual "free night" in a category 1-5 hotel

Chase Marriott - Legacy Card - Spouse's ($85 - on probation)

  • Annual "free night" in a category 1-5 hotel

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Our total: $2,625/year.


American Express Platinum ($550)

[Running benefit tally is commingled in the linked Chase thread]

  • $500+ signup bonus
  • $400 travel credit ($200 annually x 2 in first 12 months)
  • $200 annual Uber credits
  • $100 annual Saks credits (begins July 2018)
  • Centurion Lounge access
  • Amex spending offers
  • Gold status at Hilton
  • 5x on airfare

Chase Sapphire Reserve ($450)

  • $750+ signup bonus
  • $600 travel credit ($300 annually x 2 in first 12 months)
  • 3x (4.5%+) on travel and dining

Citi AAdvantage Executive ($450)

  • 60,000-mile signup bonus
  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $750 sign-up bonus
  • $325 travel credit per membership year
  • 12 Gogo wifi passes ($120 value)
  • 4.5% back (3x) on mobile payment purchases
  • 4.5% back (3x) on travel purchases
  • More

[The New] American Express Gold ($250)

  • $500+ sign-up bonus
  • $200 travel credit ($100 annually x 2 in first 12 months)
  • $120 annual dining credit ($10/month at GrubHub and select restaurants)
  • 20% back on restaurants (first three months, up to $100)
  • 4x URs at restaurants
  • 4x URs at grocery stores (up to $25,000/year)
  • 3x on flights (but I'll use my Platinum for 5x)
  • More

Barclays Aviator Silver ($195)

  • EQMs and EQDs toward status on AA via spending
  • 10% rebate on mileage redemptions

American Express SPG ($95 - on probation)

American Express Green ($95 - on probation)

Chase Marriott - Legacy Card ($85)

  • 6X on Marriott Spending
  • Annual "free night" in a category 1-5 hotel

Chase Marriott Premier Plus - Spouse's ($95 - upgraded from legacy card below)

  • 50,000 point upgrade offer from legacy card (worth ~$400-500)
  • 6x on Marriott spending (old card was 5x)
  • 2x on general spending (old card was 1x)
  • "Free" anniversary night up to 35,000 points (old card was 25,000)
  • Elite benefits (Silver/path to Gold)

Chase Marriott - Legacy Card - Spouse's ($85 - on probation)

  • Annual "free night" in a category 1-5 hotel
Edited by cv91915

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I hate fees but have two:

Citibank American Airlines MasterCard. $50 but do charge a lot to it to earn miles.

American Express traditional gold card. The fee on this is $95, that is much less than their current gold card. I question the value for me, but still haven't cancelled or switch. I see I can now request a metal card. I'll do that next week just because it's offered.

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Our total: $2,625/year.

 

Update:  Amex SPG benefits were updated to include one comp night (up to 35,000 points).  This will offset the AF.  I'd forgotten about this until recently.

 

Without this new(ish) benefit the card would have been history, even though it's one of my D*95s.  The card is now basically worthless for general spending.


American Express Platinum ($550)

[Running benefit tally is commingled in the linked Chase thread]

  • $500+ signup bonus
  • $400 travel credit ($200 annually x 2 in first 12 months)
  • $200 annual Uber credits
  • $100 annual Saks credits (begins July 2018)
  • Centurion Lounge access
  • Amex spending offers
  • Gold status at Hilton
  • 5x on airfare

Chase Sapphire Reserve ($450)

  • $750+ signup bonus
  • $600 travel credit ($300 annually x 2 in first 12 months)
  • 3x (4.5%+) on travel and dining

Citi AAdvantage Executive ($450)

  • 60,000-mile signup bonus
  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $750 sign-up bonus
  • $325 travel credit per membership year
  • 12 Gogo wifi passes ($120 value)
  • 4.5% back (3x) on mobile payment purchases
  • 4.5% back (3x) on travel purchases
  • More

[The New] American Express Gold ($250)

  • $500+ sign-up bonus
  • $200 travel credit ($100 annually x 2 in first 12 months)
  • $120 annual dining credit ($10/month at GrubHub and select restaurants)
  • 20% back on restaurants (first three months, up to $100)
  • 4x URs at restaurants
  • 4x URs at grocery stores (up to $25,000/year)
  • 3x on flights (but I'll use my Platinum for 5x)
  • More

Barclays Aviator Silver ($195)

  • EQMs and EQDs toward status on AA via spending
  • 10% rebate on mileage redemptions

American Express SPG ($95)

  • "Free" night up to 35,000 points
  • SPG Gold/Marriott Gold
  • Amex spending offers
  • D* 1995

American Express Green ($95 - on probation)

Chase Marriott - Legacy Card ($85)

  • 6X on Marriott Spending
  • Annual "free night" in a category 1-5 hotel

Chase Marriott Premier Plus - Spouse's ($95 - upgraded from legacy card below)

  • 50,000 point upgrade offer from legacy card (worth ~$400-500)
  • 6x on Marriott spending (old card was 5x)
  • 2x on general spending (old card was 1x)
  • "Free" anniversary night up to 35,000 points (old card was 25,000)
  • Elite benefits (Silver/path to Gold)

Chase Marriott - Legacy Card - Spouse's ($85 - on probation)

  • Annual "free night" in a category 1-5 hotel

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I just paid the AF on the Amex SPG after getting a retention bonus of 20,000 Marriott points for spending $2,000 in 90 days ($75 statement credit/same spend was the other option they gave me).

 

Previous 12 months spending on the card was ~$1,000.

 

 

Edited by cv91915

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