Not excluded due to expensive travel card annual fee.

If you are looking for a new travel card, you might think that a credit card with a lower annual fee is your best choice. After all, it is easier in the $ 95 TO-150 $ range rather than cost $ 400 or more, the right card annual fee credit card to get money’s worth?

From a value perspective, sometimes more expensive credit cards can be a better choice, level of experience or whether you spend your travel card is. Although more expensive cards will cost you a few hundred dollars early, which may provide some benefits high-value, you will not find cheaper travel card.

1. Consumer credit

Some wireless credit card annual fee to provide an expensive purchase certain types of consumer credit. For example, you can find a card, $ 250 or $ 300 credit offer year-round tourism. This means that each year, when you spend $ 250 or $ 300 travel purchase, you will receive a statement of the amount of credit refund.

A consumer credit can significantly reduce the cost of credit cards. For example, suppose you find a $ 450 annual fee travel card. This seems to be a lot, but you find that it also provides an annual $ 300 travel credit. You always spend far more than the annual $ 300 of travel, so you must use a credit card.

In this case, you basically pay $ 150 per year and only this card, which is not much more than those who travel card cheaper cost. In addition, this card offer other cards as well as some more benefits than the song ite.

Just remember that you should choose the ones you can not change your normal spending habits in the use of loyalty cards. If you are doing you would not normally buy just to take advantage of consumer credit, then the credit is not providing much value for you.

2. High rate of return

As a general rule, have higher annual fee credit card income cheaper than their counterparts more in return. The most expensive cards tend to have the most bonus category, the cardholder can earn extra points and / or the highest rate of return.

You will find that most of the value of the travel card from their reward. High rates of return can be increased cardthe value of. For example, suppose you are pairing two COM travel card. A high-end card, high annual fee. The other is a more affordable option. Premium card for every $ 12 o’clock prize categories and more lower-cost cards.

Now that you usually spend $ 10,000 in prize money each year to those categories. In this case, you earn 20,000 points and premium cards every year. Suppose you get at least $ 0.01 per point (which is not difficult and the best travel card), which is worth at least an additional $ 200 per year.

3. Airport Lounge

Many of the most expensive travel card also offers at least one free membership airport lounge program. If you fly several times a year, which is a perk, it can make the quality of your trip is quite different.

The value of access from the lounge to get much depends on how the airport lounge you frequently visit, how long you stay there, you use the facilities. I value the one-hour visit to airport VIP room for $ 30, taking into account the comfort of the lounge, and get free food and drinks. If I caught my credit card eight times the annual amount of the lounge, then this is a $ 240 value.

Weigh the value of expensive travel card

Price is a natural reaction to a credit card with an annual fee or more than $ 400. You might be thinking, “I never paid that much for a credit card.” But before you make a decision, to take what card offers to find out.

Can reduce consumer credit almost half the annual fee card. In addition, the higher rate of return as well as airport lounges can add value to the card in the hundreds of dollars. Be sure to determine whether a more expensive credit card is worth the price, when you factor in all of these benefits. You might be surprised.