VattenÃ© wrote:It's fine if you want to completely rule out anything with an annual fee, but realize you could potentially be losing out on rewards if you do. Annual fee cards also have much better introductory bonuses (it takes a lot more to get one to sign up for something with a yearly cost).
Bonuses are good, and if an AF card suits your spending, the ongoing earned rewards can be really nice. When I compared ED and EDP, EDP gave 15k MRs more per year (assuming a 50% bonus every month) for the spending I'd put through it. An extra 15k MRs a year certainly merit a $95 AF!