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

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I just downgraded my Blue Cash Preferred back to a Blue Cash EveryDay.

 

6% on groceries is nice, but 99% of our grocery spending is at stores that accept ApplePay, which, used with the US Bank Altitude Reserve, is 4.5% back (uncapped). 

 

The BCP caps 6% groceries at $6,000 per year, but no matter what the BCP can't outrun the $95 AF compared to the Altitude anyway.  

 

BCP:        (6000*0.06) - 95 = $265

Altitude: (6000*0.045)       = $270

 

The BCP worked for part of a year thanks to a $250 upgrade bonus from BCE.  

 

The Altitude has an effective negative annual fee thanks to the Gogo wifi passes, so the AF is not a factor in my grocery rewards calculations.

 

Side note on grocery rewards:  

 

In a couple of months, I'll be PCing my Bank of America Premium Rewards card to our third 3/2/1 card, and I'll select groceries as the 3% category on the new card...   So when you add in the Preferred Rewards bonus of 75% and that's 5.25% back on groceries with no AF.

 

The Premium Rewards card has a $95 AF, but it was waived the first year, which is why I've never included it in the list below.

 

+++++++++++++++++++++++++++++++++++++++++++++

 

Current total:  $1,480 $1,575

 

Citi AAdvantage Executive ($450)

  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $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

Barclays Aviator Silver ($195)

American Express Green ($150 $95 on probation)

  • Card was on probation at $95/year
    • Increased AF to $150 is not supported by new benefits, based on my personal valuation
    • 7,500 MR retention bonus (Jan 2020) rescued it from portfolio obsolescence
    • Card remains on indefinite probation
  • Amex spending offers
  • D* 1995

American Express Blue Cash Preferred ($95)

  • Upgrade offer: $250 statement credit for spending $1,000 in 3 months
  • 6% back at grocery stores

American Express Vonboy ($95)

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

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)

Citi Expedia Voyager Mastercard ($95)

  • $500-710 sign-up bonus, depending on redemption type

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On 10/29/2019 at 9:41 AM, cv91915 said:

I downgraded my Hilton Aspire to the no-AF version because I wasn't able to use the airfare credits, and I hadn't used any of the card's hotel benefits before the AF kicked in. 

 

American Express Hilton Ascend Surpass Aspire ($95 ($450) ($0)

  • 150,000-point upgrade bonus (second PC: Surpass to Aspire)
    • Hilton Diamond Status
    • $250 resort credit
    • $250 airline incidental fee credit I probably won't be able to use now that gift cards are dead
    • Annual free night
    • Other stuff
  • 150,000-point upgrade bonus (first PC: no-AF to Surpass)

 

On 2/3/2020 at 8:45 AM, cv91915 said:

I just downgraded my Blue Cash Preferred back to a Blue Cash EveryDay.

 

6% on groceries is nice, but 99% of our grocery spending is at stores that accept ApplePay, which, used with the US Bank Altitude Reserve, is 4.5% back (uncapped). 

 

American Express Blue Cash Preferred ($95)

  • Upgrade offer: $250 statement credit for spending $1,000 in 3 months
  • 6% back at grocery stores

 

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37 minutes ago, cv91915 said:

 

Today I got another upgrade offer to go back to the BCP in exchange for a $150 statement credit.

 

A couple of weeks ago I got another 150,000 offer to upgrade the Hilton card back to the $450 Aspire.

 

I'm going to do the BCP->BCE upgrade now.

 

Dubya-tee-eff is going on with the quote function?  

Edited by cv91915

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BCE -> BCP -> BCE -> BCP is complete.

 

The first upgrade bonus was $250, but this time around it's $150.

 

The AF will be prorated for the remainder of the year (9 or 10 months), but I'll list the full amount to avoid any future confusion.

 

+++++++++++++++++++++++++++++++++++++++++++++

 

Current total:  $1,575 $1,480

 

Citi AAdvantage Executive ($450)

  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $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

Barclays Aviator Silver ($195)

American Express Green ($150 $95 on probation)

  • Card was on probation at $95/year
    • Increased AF to $150 is not supported by new benefits, based on my personal valuation
    • 7,500 MR retention bonus (Jan 2020) rescued it from portfolio obsolescence
    • Card remains on indefinite probation
  • Amex spending offers
  • D* 1995

American Express Blue Cash Preferred ($95)

  • Upgrade offer: $150 statement credit for spending $1,000 in 3 months
  • 6% back at grocery stores

American Express Blue Cash Preferred ($95)

  • Upgrade offer: $250 statement credit for spending $1,000 in 3 months
  • 6% back at grocery stores

American Express Vonboy ($95)

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

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)

Citi Expedia Voyager Mastercard ($95)

  • $500-710 sign-up bonus, depending on redemption type

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On 3/2/2020 at 9:15 AM, cv91915 said:

BCE -> BCP -> BCE -> BCP is complete.

 

The first upgrade bonus was $250, but this time around it's $150.

 

The AF will be prorated for the remainder of the year (9 or 10 months), but I'll list the full amount to avoid any future confusion.

 

WzEATMs.png

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My current AF cards:

 

Amex Platinum $550 Going away when AF hits, unless they offer a retention that works for me. Doubt they will.

Amex Gold $250

Amex Delta Gold $99

IHG $89 Probably will downgrade to no AF version

Citi AA Platinum $99

 

$1087 in AF

 

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5 hours ago, kaylee34 said:

None yet. Might add a CSP at some point but I’m cheap so....

Don't. Just don't. Annual Fees still stink no matter how fresh the rewards.

 

Peanut Gallery: Don't give me a bunch of carp about doing math.

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1 hour ago, IndyPoolPlayer said:

Don't. Just don't. Annual Fees still stink no matter how fresh the rewards.

 

Peanut Gallery: Don't give me a bunch of carp about doing math.

LOL! Now you all know why I have no AF cards. 
 

No, seriously, I don’t have one because they’re not useful for me. I don’t travel enough to justify travel rewards and I hate flying anyway. My spend levels don’t come close enough to upgrade something like BCE to BCP.
 

Same with hotel rewards. A good road trip on the bike has little planning beyond making sure I packed rain gear. 
 

I am moving toward a long planned trip of a lifetime so CSP will probably by my one and only just for the SUB and then the travel related expenses. I won’t be doing math either.

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14 hours ago, IndyPoolPlayer said:

Don't. Just don't. Annual Fees still stink no matter how fresh the rewards.

 

Peanut Gallery: Don't give me a bunch of carp about doing math.

People who don't do math complain about the unfairness of overdraft fees and sink thousands in negative equity into 84-month car loans.  

 

I'm quite okay on the other side of that line.

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On 3/2/2020 at 9:15 AM, cv91915 said:

US Bank Altitude Reserve ($400)

  • $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

This month I've redeemed all of my banked points on airfare for future travel. 

 

 

The Gogo wifi passes no longer have value to me (AA has switched to Viasat), so unless I get a retention bonus worth at least $75 ($400 AF minus $325 travel credit), this card is going to be history. 

 

If I close the Altitude, I'll switch one of our Bank of America 3/2/1 cards to travel for the "3%" category, which will get me 5.25% back on travel, up to $2,500 per quarter.  In normal times this cap could be a constraint, but I can always adjust my travel strategy as the world returns to normal.

 

 

Edited by cv91915

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our household is down to $2150 in AFs. I think I'll kick Citi Prestige to the curb next year as well as some lower AF cards like ICBC UnionPay.

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On 10/13/2018 at 9:30 AM, Burgerwars said:

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.

This is still the same with me.

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I am down to 2 AF's Amex Gold which I have had for 30 years, so can't let go.

Then the Avianca.

But 49.00 for an AF I will keep this.

 

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On 2/3/2020 at 10:13 AM, Allkindabroke said:

US Bank Altitude Rewards card will be the only AF card for a long time even with my piddly  $10K cl.  

Oh the sweet innocence and travel plans from February 2020.  This card is getting downgraded to the Go Visa the minute the AF hits. 

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On 4/19/2020 at 11:23 AM, TheVig said:

My current AF cards:

 

Amex Platinum $550 Going away when AF hits, unless they offer a retention that works for me. Doubt they will.

Amex Gold $250

Amex Delta Gold $99

IHG $89 Probably will downgrade to no AF version

Citi AA Platinum $99

 

$1087 in AF

 

 A few ago I changed from Gold to Green.

 

$987 in AF. In June Amex ended up giving me a sweetheart rentention offer on my Platinum. June 2021 it's going away.

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I just put the ExpediaRewards Voyager card out of its misery (retention agent made zero effort to convince me to keep the card open, not even a half-hearted, scripted review of any of the card's benefits).

 

I also recently upgraded my Amex Greenie to a Platinum.  With the 25,000-MR upgrade offer it will be easier to recoup the AF on the Platinum than the Greenie, and this account is *D 1995 so I don't want to close it.

 

Current total:  $1,880 $1,575 $1,480

 

American Express Green Platinum ($550) $150 $95 on probation)

  • 25,000-MR upgrade bonus + $200 Uber credits + $100 Saks credits will cover the AF.
  • Card was on probation at $95/year
    • Increased AF to $150 is not supported by new benefits, based on my personal valuation
    • 7,500 MR retention bonus (Jan 2020) rescued it from portfolio obsolescence
    • Card remains on indefinite probation
  • Amex spending offers
  • D* 1995

Citi AAdvantage Executive ($450)

  • Admirals Club access (self + 3 AUs)

US Bank Altitude Reserve ($400)

  • $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

Barclays Aviator Silver ($195)

American Express Blue Cash Preferred ($95)

  • Upgrade offer: $150 statement credit for spending $1,000 in 3 months
  • 6% back at grocery stores

American Express Vonboy ($95)

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

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)

Citi Expedia Voyager Mastercard ($95)

  • $500-710 sign-up bonus, depending on redemption type

 

 

 

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