Whether an annual fee card is worth it depends entirely on whether the value of its benefits, cashback, air miles, lounge access, insurance perks, actually exceeds the fee itself given your real spending pattern, not on the fee amount alone. A no-annual-fee card is generally the simpler, lower-risk default for light or irregular spenders, while a fee-based card can work out cheaper overall for someone whose spending genuinely triggers enough rewards or benefit value to outweigh the yearly cost.
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