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.

  • Capital One Venture X Rewards: $395 annual fee, offset by $300 in annual credits for flights, hotels, or rental cars booked through the Capital One Travel portal, and 10,000 reward points (worth $100) every card anniversary
  • Citi Premier Card: $95 annual fee, offset by $100 in statement credits for a single hotel booking of $500+. However, if you are going to spend $500+ on hotel, there are better hotel cards to use.
  • American Express US Hilton Honors Surpass Card$150 annual fee, offset by 4 × $50 quarterly Hilton property credits
  • American Express US Hilton Honors Aspire Card: $550 annual fee, offset by 2 × $200 semi-annual Hilton resort credits + $200 flight credit + $100 on-property credit at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts properties.
  • American Express US Marriott Bonvoy Brilliant Card: $650 annual fee, offset by 12 × $25 monthly dining credits + anniversary Free Night Award (total value of worth $895) 
  • American Express US Platinum Card: $695 fee, offset by $200 airline fee credit + $200 hotel credit + 12 × $20 monthly digital entertainment credits + $200 Uber credit


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