- Centurion Member
- Posts: 4040
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Another consideration about annual fees is the number of 'reward currencies' in which you're earning points. Cash is (usually) easy to redeem, but most travel rewards aren't of much value when you have less than 10000 points (Hyatt is the exception that comes to mind).
Most of my spending earns URs, and I get some MRs at Costco. If I was spreading my everyday spending over MR, UR, TYP cards and a few cobranded airline or hotel cards, I would be paying a lot in annual fees but not earning points quickly enough for it to make economic sense.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech