https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Tue, 14 Apr 2026 07:13:10 +0000 https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086419 Fri, 13 Sep 2013 20:39:54 +0000 mrsbookworm 1086419@https://boards.hellobee.com/ <p>We have a Gold Amex. We get back in rewards more than we pay for the annual fee, so it's worth it for us. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086404 Fri, 13 Sep 2013 20:23:20 +0000 Meridian 1086404@https://boards.hellobee.com/ <p>In addition to the Costco AMX, we also have a Mastercard that collects AA miles which we opened 7 years ago when we were paying for wedding stuff. I think thats $89 a year or something, but we just used the AA points to buy a round trip ticket to Singapore and Hong Kong! </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086298 Fri, 13 Sep 2013 18:43:45 +0000 Mae 1086298@https://boards.hellobee.com/ <p>I have a cc that has a $75 annual fee. But there is no cap on rewards like my non-fee cc's and based on my calculations we'll come out ahead. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086290 Fri, 13 Sep 2013 18:40:55 +0000 teamjse 1086290@https://boards.hellobee.com/ <p>We have a Costco Amex that has an annual fee, I gave my parents my 2nd Costco membership and they help me get more cash back with their purchases. I normally get $300 back a year. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086257 Fri, 13 Sep 2013 18:12:25 +0000 Vegmama 1086257@https://boards.hellobee.com/ <p>Oh, and if you spend $2,000 total in the first 3 months, they give you 50,000 points for joining. We flew to Las Vegas for $50!! Totally worth it! </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1086255 Fri, 13 Sep 2013 18:11:52 +0000 Vegmama 1086255@https://boards.hellobee.com/ <p>Our Chase Southwest card has a $70/year fee (I think). We use it enough that we get at least 2 'free' flights per year, so I don't mind the fee. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084881 Fri, 13 Sep 2013 09:41:54 +0000 ShootingStar 1084881@https://boards.hellobee.com/ <p>@sunny: Oh I had no idea it could be downgraded. We totally would've done that instead of going straight to the regular Chase Sapphire. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084875 Fri, 13 Sep 2013 09:40:28 +0000 sunny 1084875@https://boards.hellobee.com/ <p>@ShootingStar: yes your score may go down but not always. The formula takes into account average age of accounts, utilization ratio and reports of late payments. Since closing an account would only affect the first two (positively affect the first, negatively affect the second) I'm confident that any score drop in my case would be small. Also your score will recover over time if you pay on time... I track this through Credit Karma as well as through requesting my actual score once every few years.</p> <p>Btw the Chase Sapphire Preferred can be downgraded to the no fee version so that's what I'll be doing instead of canceling. I totally think the fee is worth it the first year (if you don't get it waived) with the 40,000 points you get the first year. The 40k in points is worth $500 towards travel or $400 in gift cards. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084827 Fri, 13 Sep 2013 09:24:26 +0000 ShootingStar 1084827@https://boards.hellobee.com/ <p>@sunny: We looked at that one and did a ton of math trying to figure out if the fee was worth it an ultimately decided it wasn't. Did you know that when you cancel a credit card your score takes a hit? We had some issues with credit cards numbers getting compromised and we closed one and my score went down 7 points :-S. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084807 Fri, 13 Sep 2013 09:18:04 +0000 lemondrop 1084807@https://boards.hellobee.com/ <p>@MaisyMay: that's the only way I would do it- there needs to be a benefit that cancels out the fee for me to be ok with it. On principle, I'm very against annual fees since I feel credit card companies make enough profit as it is. Of our cards, only one has a fee, and we get that waved since we threaten to cancel otherwise. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084786 Fri, 13 Sep 2013 09:09:49 +0000 mrskc 1084786@https://boards.hellobee.com/ <p>@MaisyMay: it's not through Amex but through Costco you get an additional 2% reward. So you would need to spend enough yearly to earn at least $55 to make up for the price increase of exec. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084476 Fri, 13 Sep 2013 06:13:26 +0000 pui 1084476@https://boards.hellobee.com/ <p>Out of the 4 credit cards we have between us, 2 of them have an annual fee. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084406 Fri, 13 Sep 2013 01:34:07 +0000 MaisyMay 1084406@https://boards.hellobee.com/ <p>@mrskc: What rewards do you get for Exec? Whenever they have the person scanning our cards to tell us the best account for us, they tell us what we have is fine. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1084405 Fri, 13 Sep 2013 01:33:22 +0000 MaisyMay 1084405@https://boards.hellobee.com/ <p>@sunny: Yeah, you're right. Same difference though :) </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1082033 Thu, 12 Sep 2013 10:14:03 +0000 wheres_c 1082033@https://boards.hellobee.com/ <p>We have the costco amex, a American airlines card, and an Alaska airlines card.<br /> love them </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081964 Thu, 12 Sep 2013 09:52:28 +0000 mrskc 1081964@https://boards.hellobee.com/ <p>I have the Costco AMEX too and we upgraded to the executive membership for $110/year but it pays for itself. We earn rewards through Costco and the AMEX card. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081223 Wed, 11 Sep 2013 22:50:05 +0000 sunny 1081223@https://boards.hellobee.com/ <p>I think technically the Costco membership costs money and the credit card is free. </p> <p>I have the Chase Sapphire Preferred that carries an annual fee of $95 but I'll probably cancel before I pay next year. The first year was free! </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081187 Wed, 11 Sep 2013 22:21:32 +0000 PointeShoesTutus 1081187@https://boards.hellobee.com/ <p>Not at the moment. Once we get our balances paid off, I'd like to get the Costco AmEx for the cash-back incentives. I've had Visas, Mastercards, and AmEx cards and AmEx far and away has the best customer service of any of them. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081182 Wed, 11 Sep 2013 22:19:29 +0000 MaisyMay 1081182@https://boards.hellobee.com/ <p>@bluestriped bee: The Costco AmEx is wonderful. I totally recommend it and I normally refuse to even discuss cards with fees. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081155 Wed, 11 Sep 2013 22:08:48 +0000 BSB 1081155@https://boards.hellobee.com/ <p>@MaisyMay: Whoa cool. I want that American Express through Costco! But I need to pay off my other cards first. It will be very soon, though.</p> <p>I have a couple of cards with annual fees. </p> https://boards.hellobee.com/topic/do-you-have-any-credit-cards-with-annual-fees#post-1081153 Wed, 11 Sep 2013 22:06:38 +0000 MaisyMay 1081153@https://boards.hellobee.com/ <p>We have an American Express through Costco that has an annual fee of $50, but with it we don't have to pay for our Costco membership. Even cooler, they promise that if you don't earn at least $50 in rewards, they give you the $50 back. Last year we earned nearly $120 back in rewards. </p>