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Best credit cards for the annual fee

By , CardRatings contributor
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    Our credit card articles, reviews and ratings maintain strict editorial integrity and are independent of whether a card is an advertiser (they are neither commissioned by nor reviewed, approved or endorsed by issuers); however we may receive compensation through the issuer's affiliate programs when you click on links to products from our partners and get approved. See details on how we make money here.

    Even though it sometimes sounds absurd to pay money for the privilege of borrowing money, a handful of the best credit cards add enough value for cardholders to justify the cost of their annual membership fees.

    Barclaycard Arrival Plus™ World Elite MasterCard®

    The Barclaycard Arrival Plus™ World Elite MasterCard® has sweetened its deal with a redemption bonus. Keeping your account in good standing means you get a 5 percent miles back when trading part of your balance for travel statement credits.

    Cardholders also enjoy no foreign transaction fees on purchases made while you are traveling in another country, which means you save 3-5 percent compared to many airline rewards cards. And Barclaycard, eager to expand their American footprint, will even waive the first year's annual fee for new customers.

    Annual fee: $0 introductory fee for the first year, then $89

    Citi® Hilton HHonors™ Reserve Card

    Hilton and Citi, a CardRatings.com advertiser, teamed up to steal some thunder from the popular Starwood Preferred Guest® Credit Card from American Express, and leading to ann opportunity for big travel perks for brand loyalists. Like most hotel cards, the Citi Hilton HHonors Reserve Card offers bonus points for hotel stays: earn 10 HHonors Bonus Points per dollar spent on hotel stays within the Hilton portfolio.* With eligible brands like Hampton Inn, Doubletree, and Embassy Suites in the mix, it's easy to find places to stay that can multiply your earnings.

    However, this card's biggest benefit adds value to your journey from day one. As long as you are a cardmember you can get the benefits of HHonors Gold status. New cardholders can earn two weekend night certificates, redeemable at select hotels and resorts in the Hilton portfolio, after making $2,500 in purchases on the card within four months of account opening.

    Annual fee: $95

    American Express® Card, Club CarlsonSM Premier Rewards Visa Signature® Card, The Hyatt Credit Card, and LANPASS Visa Signature Card are also top cards that are well worth the fee if you are brand loyal.

    While these cards offer a lot of value to many frequent travelers, those of us who do not travel often are better off comparing reward credit card offers with no annual fee.

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