Ten Credit Cards, One Strategy: Which Annual Fees Are Worth Paying

Learn how to audit a wallet full of credit cards and decide which annual fees are actually worth paying. Hosts Sally French and Meghan Coyle discuss how to assess a wallet full of credit cards to help you figure out which ones are actually working for you. But first, they break down the latest travel headlines, including a doubled hotel credit and a new ad-spend cap on the Chase Sapphire Reserve for Business, fresh offers on the Chase Sapphire Reserve, a Las Vegas hotel and entertainment sale, and a new price-drop alert feature from Going. Then, joined by listener Tiffany Leung, a small business owner and competitive powerlifter, they discuss how to turn ten open credit cards into one coherent strategy, with tips and tricks on matching bonus categories to the way you really spend, weighing whether an airline card earns its annual fee when your home airport limits your options, and thinking through when closing a card could make sense and when keeping it open could help your credit. Enter for a chance to win a $250 Amazon gift card — and help us improve our show — by taking our listener survey! Find the survey and official sweepstakes rules here. Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: Chase Sapphire Reserve for Business Review: Big Perks, Bigger Fee Chase Sapphire Reserve Review: A High-End, High-Maintenance Card Chase Sapphire Preferred Review: Strong Option for Travel Rewards Chase Freedom Flex Review: Multiple Bonus Rewards Wrapped in One Card Chase Freedom Unlimited Review: A Potential One-Card Solution Chase Ink Business Cash Review: Low Caps, But High Rewards Citi Strata Credit Card Review: Solid Rewards for No Annual Fee Costco Anywhere Visa Review: Bulked-Up Savings for Members Costco Business Card: Is It Worth It? 5 Key Things to Know World of Hyatt Card Review: Lavish Benefits, Reasonable Cost United Explorer: Richer Rewards, Perks You'll Actually Use Southwest Rapid Rewards Plus Review: Modest Perks, Big Bonus Capital One Venture Business: New Name, Same Easy Rewards Capital One Venture X Business: A Premium Business Travel Card Worth the Annual Fee American Express Gold Card Review: Friendly for Foodies, Families Bilt Obsidian Card: Fine for Foodies, Complex for Housing Resources discussed in this episode: Chase Sapphire Reserve for Business Doubles Hotel Credit Chase Sapphire Reserve Increases DoorDash Credit, Unveils Travel Offers Chase 5% Bonus Categories, Q4 2026: Grocery Stores, Dining, American Red Cross Citi Adds Japan Airlines as Its Newest Transfer Partner New AmEx Centurion Lounge in Amsterdam Only for Flyers Departing Schengen Las Vegas Hotels, Shows, Things to Do, Restaurants, Guides & Maps Sin City on a Budget: 8 Ways To Save on Your Next Trip to Vegas Professional Deal Finder Reveals Truth About Cheap Airfare How to Calculate Your Credit Utilization Ratio How Many Credit Cards Should You Have? Want even more tips and tricks to get the most out of your travel dollars? Subscribe to TravelNerd, our free newsletter designed to help you crack the code on spending less on your travel. The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices