Some of these cards have much bigger one-time offers, more valuable rewards, and other lucrative benefits. But if you’re looking for even more value, you might be able to get it from an annual fee credit card. ![]() Less Value Than Some Annual-Fee Cards: There’s not much to dislike about the U.S.As a result, many of your purchases will likely net a mediocre rewards rate. To maximize your rewards, you might consider pairing this card with one that offers a base rewards rate of 1.5% or 2%, such as the Chase Freedom Unlimited or Citi Double Cash card. Low Base Rewards Rate: This card offers bonus rewards on a lot of everyday spending categories, but its base rewards rate is just 1 point per dollar.The card does, however, charge a fee for balance transfers: either $5 or 3% of the amount of the transfer, whichever is greater. This means that you can make a large purchase or transfer a balance from another card, and you’ll get a year to pay it off interest-free. It also has an introductory 0% APR on purchases and balance transfers for 12 billing cycles. No Annual Fee and 0% Introductory APR: Despite the card’s solid rewards, it doesn’t charge an annual fee, so you don’t have to run the numbers to make sure you’re getting enough value to justify the upfront cost.Options include Netflix, Spotify, Pandora, Amazon Music, and YouTubeTV. Annual Bonus for Streaming Services: With this card, you’ll get a $15 credit once a year when you use it for eligible streaming services for 11 consecutive months. ![]() Both also carry pricey annual fees-with Savor charging $95 per year and American Express Gold charging $250. ![]() Other dining heavyweights include the Capital One Savor Cash Back Rewards card and the American Express Gold card. However, neither of those cards offers bonus rewards on purchases made with food delivery services, which is specifically included with this one. That’s tied for the best rewards rate on dining-related purchases among major credit cards. Bank Altitude Go Visa Signature card offers a whopping 4 points per dollar on dining, takeout, and food delivery services.
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