9 Best Credit Cards with an Annual Fee [2023]

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Credit cards aren’t just for earning rewards or cashback; they also provide cardholders with a wide range of benefits such as purchase protection, statement credits, lounge access, and more. So, if you want a credit card that does both, expect to pay annual fees. 

But annual fees aren’t bad because the benefits you’ll get are usually worth more than the fees you pay for. 

Today, we’ll discuss the best credit cards with annual fees, and we’ve included several options for you.

1. Capital One Venture X Rewards Credit Card

Best Flat Rate Premium Travel Card

75,000 Miles
Capital One Venture X Rewards Credit Card
  • Earn 75,000 Bonus Miles for Spending $4,000 in the First 3 Months
  • Up to $300 Back Annually as Statement Credits for Bookings via Capital One Travel
  • $300 Travel Credit for Bookings via Capital One Travel
  • 10,000 Points for Each Account Anniversary
  • Hertz President’s Circle Elite Status
  • Airport Lounge Access (Priority Pass, Capital One, & Plaza Premium)
  • 10X Miles on Hotels and Rental Cars, and 5x Miles on Flights Booked with Capital One Travel
  • 2X Miles on all other purchases
  • Trip Delay and Trip Cancellation Insurance
  • $395 Annual Fee
Learn More Our Review

The Capital One Venture X Rewards Credit Card is a premium travel rewards card that’s perfect for travelers who want outstanding travel perks like annual travel credits, worldwide airport lounge access, and travel and purchase protections. 

The Venture X earns 2x miles on all purchases helping you maximize every dollar of your spending. Plus, you can earn 10x miles on hotels and rental cars, and 5x miles on flights booked through Capital One.

The card has a $395 annual fee, completely offset by an easy-to-use travel credit of up to $300 back annually as statement credits for Bookings via Capital One Travel, and 10,000 points (worth at least $100) for each account anniversary.

Plus, you get airport lounge access via Priority Pass, Capital One, and Plaza Premium Lounges, Hertz President’s Circle elite status, Global Entry or TSA PreCheck credit, rental car insurance, trip and luggage insurance, cell phone insurance, and purchase protection.

2. Chase Sapphire Preferred® Card

Best Mid-tier Card for Travel & General Spending

Great Starter Travel Card
Chase Sapphire Preferred® Card
  • Earn 60,000 Ultimate Rewards Bonus Points for Spending $4,000 in the First 3 Months
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 3x Points on Select Streaming and Online Grocery (excluding Walmart, Target, and Wholesale Clubs)
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases. 

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription, and a $50- anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

3. Platinum Card® from American Express

Best for Airport Lounge Access

Airport Lounge Access
The Platinum Card® from American Express
  • Earn 80,000 Membership Rewards Points After $6,000 in Eligible Purchases in the First 6 Months
  • 5x Points on Flights Booked Directly With Airlines (up to $500,000 in purchases each calendar year)
  • Airport Lounge Access (Centurion, Delta SkyClub, Priority Pass, Escape, and Plaza Premium)
  • No Foreign Transaction Fees
  • $695 Annual Fee (Rates & Fees)
Learn More Our Review
American Express is a Deals Points Advertiser; Terms Apply. Enrollment is required for some benefits.

The Platinum Card® from American Express is a great premium travel rewards card for travelers who want airport lounge access, including Centurion Lounges, Delta Sky Clubs (when flying Delta), Escape Lounges, Priority Pass lounges.

The American Express Platinum has a $695 annual fee, but you receive many annual statement credits when you enroll your card to offset the fee, including:

  • $200 Airline Fee Credit (after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card®)
  • $200 Hotel Credit (on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay)
  • $240 Digital Entertainment Credit (up to $20 each month: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times)
  • $200 Uber Cash Credit ($15 per month with $35 in December when you add your Platinum Card to Uber or UberEats account)
  • $155 Walmart+ Credit (covers the cost of a $12.95 monthly membership) 
  • CLEAR Credit (up to $189 towards an annual Clear membership for expedited airport security)

You also earn 5x Membership Rewards points when booking flights directly with airlines or with American Express Travel (up to $500,000 in purchases per calendar year) and 5x Membership Rewards points when booking prepaid hotels with American Express Travel. 

On top of that, you automatically earn Marriott Bonvoy Gold Elite and Hilton Honors Gold statuses, which offer points bonuses, room upgrades, late check-out, and other premier benefits. 

4. Chase Sapphire Reserve®

Best for Premium Travel & Dining

Chase Sapphire Reserve®
  • Earn 60,000 Ultimate Rewards Points for Spending $4,000 in the First 3 Months
  • $300 Annual Travel Credit
  • 10x Points on Hotels and Rental Cars and 5x Points on Flights Booked Through Chase Ultimate Rewards
  • 3x Points on Dining, Takeout, & Eligible Food Delivery
  • 50% More Redemption Value
  • Priority Pass Airport Lounge Access
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $550 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Reserve® is a great option for travelers who want premium perks such as airport lounge access and top-tier travel protections.

The Sapphire Reserve has a $550 annual fee, but you receive an annual easy-to use $300 travel credit and access to 1,300 Priority Pass airport lounges.

Plus, great benefits such as trip delay insurance, primary rental car insurance, trip cancellation insurance, lost luggage reimbursement, purchase and return protection, extended warranty, and no foreign transaction fees.

Cardmembers also earn extra points with 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards, 3x points on travel, dining, and food delivery purchases, and 1x points everywhere else.

You can also cash out points at a 50% bonus (1.5 cents per point) when redeeming points towards travel or transfer the points to Chase’s airline and hotel partners.

5. American Express® Gold Card

Best Dining & Groceries

The American Express® Gold Card is one of my favorite cards because it earns:

  • 4x Membership Rewards® points at restaurants worldwide, including takeout and delivery in the U.S.,
  • 4x Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x). 
  • 3x points on flights booked directly with airlines or on amextravel.com

Plus, card members get nice credits when you enroll your Gold Card to offset the annual fee:

  • $120 Uber Cash: Add your Gold Card to your Uber account, and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations.

6. Delta SkyMiles® Reserve American Express Card

Best for First Class Delta Companion Tickets

Airport Lounge Access
Delta SkyMiles® Reserve American Express Card
  • Earn 50,000 SkyMiles + 10,000 Medallion Qualifying Miles After $5,000 in Eligible Purchases in the First 6 Months.
  • 3X SkyMiles on Delta Air Lines Purchases
  • First Checked Bag Free
  • Lounge Access to Delta Sky Club, Centurion Lounge, and Escape Lounges When Flying Delta
  • Global Entry or TSA PreCheck Credit
  • 20% Statement Credit on Delta In-Flight Purchases
  • $550 Annual Fee and No Foreign Transaction Fees (Rates & Fees)
Learn More Our Review
American Express is a Deals Points advertiser. Terms Apply

The Delta SkyMiles® Reserve American Express Card earns 3x SkyMiles on Delta purchases and comes with complimentary Delta Sky Club and The Centurion Lounge access, making it a stellar choice for frequent Delta flyers. 

For a $550 annual fee, this premium card offers excellent Delta-specific perks, letting you earn 15,000 Medallion Qualification Miles after spending $30,000 in a calendar year to get closer to Medallion Status. 

Plus, it comes with an annual companion certificate that gets you a Domestic First Class, Delta Comfort+, or Main Cabin round-trip companion certificate upon renewing your card every year. 

Other outstanding travel perks include a Global Entry or TSA PreCheck credit, a 20% savings on Delta in-flight food and drinks, a free first checked bag, complimentary upgrades, and extensive travel protections. 

7. Chase United Quest℠ Card

United Quest℠ Card
  • Earn 60,000 United Bonus Miles + 500 Premier Qualifying Points for Spending $4,000 in the First 3 Months
  • 3X Miles on United Airlines
  • 2X Miles on Dining, Streaming, and Other Travel
  • $125 Annual United Statement Credit
  • Global Entry/TSA PreCheck Credit
  • Two 5,000-Mile Anniversary Award Flight Credits
  • Free First and Second Checked Bags
  • Priority Boarding
  • Primary Rental Car Insurance
  • $250 Annual Fee

Click Here to Learn How to Apply

The Chase United Quest℠ Card is a travel rewards card that offers great benefits for frequent United Airlines flyers.

The Quest Card comes with several nice benefits to help offset the $250 annual fee:

$125 Credit: Each anniversary year, cardholders will receive a $125 annual United purchase statement credit that will help offset the $250 annual fee.

Up to 10,000 Miles back: Automatically get 5,000 United miles back into your account after taking a United award flight up to two times per anniversary year.

Two Free Checked Bags: Cardholders get up to two free checked bags for you and a companion on the same reservation when you purchase the flight with the Quest card.

8. Capital One Venture Rewards Credit Card

75,000 Bonus Miles
Capital One Venture Rewards Credit Card
  • Earn 75,000 Bonus Miles After Spending $4,000 Within the First Three Months
  • 5x Miles on Hotels and Rental Cars via Capital One
  • 2x Miles Everywhere Else
  • 2 Free Visits to Capital One Lounges Each Year
  • Global Entry or TSA Pre-Check Credit
  • Hertz 5-Star Elite Status
  • Rental Car Insurance and Extended Warranty
  • $95 Annual Fee
Learn More Our Review

The Capital One Venture Rewards Credit Card is a travel rewards credit card that earns an unlimited 2 miles per dollar on all purchases and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

The card also offers up to a $100 Global Entry or TSA PreCheck credit, and two free visits each year to the Capital One Lounge.

9. Citi Premier® Card

60,000 Points
Citi Premier® Card
  • Earn 60,000 Points After Spending $4,000 in the First 3 Months
  • 3x Points at Restaurants, Supermarkets, Gas Stations, Flights, and Hotels
  • $100 Off a Single $500 Hotel Stay Per Year
  • Extended Warranty and Purchase Protections
  • $95 Annual Fee
Learn More Our Review

The Citi Premier® Card is the best card for earning points because it offers 3x points at restaurants, supermarkets, gas stations, airlines, and hotels. 

The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased, adding an additional 24 months to the manufacturer’s warranty.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, please click here.

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