Is Your Credit Card Annual Fee Worth It? | The Motley Fool (2024)

As of Aug. 06, 2024

Is Your Credit Card Annual Fee Worth It? | The Motley Fool (1)

Is Your Credit Card Annual Fee Worth It? | The Motley Fool (2)

Is Your Credit Card Annual Fee Worth It? | The Motley Fool (3)

Chase Freedom Unlimited®Citi Double Cash® CardU.S. Bank Altitude® Go Visa Signature® Card

Rating image, 5.00 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (4)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (5)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (6)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (7)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (8)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (9)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (10)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (11)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (12)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (13)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (14)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (15)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (16)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (17)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (18) = Best
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (19)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (20)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (21)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (22) = Excellent
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (23)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (24)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (25) = Good
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (26)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (27) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (28) = Poor

Rating image, 5.00 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (29)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (30)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (31)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (32)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (33)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (34)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (35)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (36)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (37)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (38)

5.00/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (39)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (40)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (41)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (42)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (43) = Best
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (44)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (45)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (46)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (47) = Excellent
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (48)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (49)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (50) = Good
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (51)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (52) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (53) = Poor

Rating image, 4.50 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (54)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (55)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (56)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (57)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (58)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (59)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (60)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (61)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (62)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (63)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (64)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (65)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (66)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (67)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (68) = Best
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (69)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (70)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (71)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (72) = Excellent
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Is Your Credit Card Annual Fee Worth It? | The Motley Fool (76)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (77) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (78) = Poor

Rating image, 4.50 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (79)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (80)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (81)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (82)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (83)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (84)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (85)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (86)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (87)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (88)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (89)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (90)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (91)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (92)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (93) = Best
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Is Your Credit Card Annual Fee Worth It? | The Motley Fool (101)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (102) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (103) = Poor

Rating image, 4.50 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (104)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (105)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (106)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (107)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (108)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (109)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (110)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (111)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (112)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (113)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (114)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (115)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (116)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (117)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (118) = Best
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (119)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (120)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (121)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (122) = Excellent
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (123)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (124)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (125) = Good
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (126)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (127) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (128) = Poor

Rating image, 4.50 out of 5 stars.Is Your Credit Card Annual Fee Worth It? | The Motley Fool (129)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (130)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (131)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (132)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (133)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (134)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (135)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (136)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (137)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (138)

4.50/5Our ratings are based on a 5 star scale.5 stars equals Best.4 stars equals Excellent.3 stars equals Good.2 stars equals Fair.1 star equals Poor.We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (139)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (140)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (141)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (142)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (143) = Best
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (144)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (145)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (146)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (147) = Excellent
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (148)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (149)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (150) = Good
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (151)Is Your Credit Card Annual Fee Worth It? | The Motley Fool (152) = Fair
Is Your Credit Card Annual Fee Worth It? | The Motley Fool (153) = Poor

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Apply Now for Citi Double Cash® Card

OnCiti'sSecure Website.

Rates & Fees Is Your Credit Card Annual Fee Worth It? | The Motley Fool (154)

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Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Fair to Excellent (580-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Fair to Excellent (580-850)

Credit Rating Requirement:Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Poor

Fair

Good

Excellent

300-579

580-669

670-739

740-850

Good/Excellent (670-850)

Welcome Offer:Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

Welcome Offer:Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

$200

Welcome Offer:20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 bonus points

Rewards Program:Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases

1.5% - 5% cash back

Rewards Program:2% cash back: 1% when you buy plus 1% as you pay

2% cash back

Rewards Program:4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

1x - 4x points

Intro APR:0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Intro APR:N/A

Purchases: N/A

Balance Transfers: 0%, 18 months

Intro APR:0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0%, 12 billing cycles

Regular APR:

20.49% - 29.24% Variable

Regular APR:

19.24% - 29.24% (Variable)

Regular APR:

18.24% - 29.24% (Variable)

Annual Fee:N/A

$0

Annual Fee:

$0

Annual Fee:

$0

Highlights:

  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program thatlets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back.You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expireas long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee –You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC

Highlights:

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
    Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Highlights:

  • Intro Offer: Earn 25,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $250 value redeemable towards merchandise, gift cards, cash back, travel and more.
  • 4X points on dining, takeout, and restaurant delivery.
  • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
  • 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded effective September 9, 2024).
  • 1X point on all other eligible purchases.
  • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% - 29.24%.
  • No Annual Fee
  • Points never expire as long as your account is active.
  • Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
  • Terms and conditions apply.

Apply Now for Chase Freedom Unlimited®

OnChase'sSecure Website.

Apply Now for Citi Double Cash® Card

OnCiti'sSecure Website.

Rates & Fees Is Your Credit Card Annual Fee Worth It? | The Motley Fool (155)

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