Previously, we talk about credit cards with annual statement that help offset credit card annual fee. There are a few cards that stand out because their annual statement credits are easy to use and the values are at least the cards’ annual fees.

• National Bank World Elite Mastercard: $150 annual fee, offset by $150 annual travel enhancement credits, which you can cash out using purchase refund trick.
• Marriott Bonvoy American Express Card: $120 annual fee, offset by Annual Free Night Award (easily worth up to $250+) every card anniversary.