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If you are in the market for a credit card, don't be too quick to dismiss those that charge an annual fee. The first pair of credit cards are aimed towards everyday purchases: groceries, gas, and department stores. The Blue Cash Preferred has an annual fee of $75, but the first two years are paid for with the sign up bonus. Your first two years of the annual fee on the Venture Rewards card are taken care of between the first year’s annual fee being waived, and the sign up bonus.
Our last pair of cards is also aimed at travelers, the Chase Sapphire and the Sapphire Preferred. The Sapphire Preferred comes with an impressive list of extras, but let’s look at actual dollar values to see if the extras are worth the annual fee. If you plan to apply for a new credit card and the card you’re eyeing has an annual fee, don’t be too quick to dismiss it based solely on the presence of the fee. ConsumerFu is dedicated to helping Americans save on credit cards, flights, hotels, foreign currency and more.
With nearly 2000km of rugged coastline, over a thousand islands and a dramatic mountainous hinterland, Croatia is one of the most beautiful and unspoiled countries in Europe. Croatia is filled with impressive historic towns; join a Game of Thrones tour around the popular ancient city of Dubrovnik or try Hvar’s specialty gregada in the glamorous, yacht-filled and wonderfully-preserved old town.


Bags feeling light?Coffee table looking bare?Get your guidebooks, travel goods, even individual chapters, right here.
There are some fee-based cards that offer greater savings than their no annual fee counterparts, even once the annual fee is accounted for. But to make up for the annual fee from a spending standpoint, you’d have to spend just shy of $3000 annually, $2950 to be exact. With the greater rewards rates, sign up bonuses, and potential lack of other notable fees, you might miss out on some big savings. Lose yourself in the maze of ancient alleys of Diocletian’s palace, feast on the finest Adriatic seafood in the gastro-village of Volosko and swim through the aquamarine waters of the ethereal Blue Cave.
For natural beauty, head to Krka or Plitvice Lakes where you’ll find yourself surrounded by magical waterfalls, or hire a boat and enjoy a trip around the islands.
The following is a comparison of three pairs of credit cards - those with annual fees and their no annual fee counterparts - that serve as great test beds to demonstrate this, and if you choose wisely you could get some big savings.
Looking at that category alone, you can earn up to $180 over the course of the year up to the cap with the Everyday card. From the glitz and glamour of Hvar and Dubrovnik to the tranquility of the beautiful Elaphite or Kornati islands, use our map of Croatia below to start planning your trip. This scenario works only if you stick to the golden rule: pay off your card in full every month!


If you’re going to spend more than this in a year (which is not hard to do if you travel a lot) the Venture Rewards will easily start outpacing the VentureOne. One thing to keep in mind though regarding both of these cards is that you’ll get maximum returns when the miles are redeemed for travel related purchases (i.e. So that’s $4178 a year on dining out and $2588 a year on travel for the top 40 percent of income earners in the U.S. With the Sapphire Preferred this exact same spending gives you 73,003 points (= $730.03) after the 7% dividend and after redeeming at the Chase Ultimate Rewards travel booking service. The Blue Cash Preferred will yield more cash back even after the annual fee if you spend $2500 a year or more on groceries.
And with the lack of a foreign exchange fee on the Sapphire Preferred for you international travelers, you can save even more money!



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29.07.2016 admin



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