 TITLE: Is the High Annual Fee on Your Rewards Credit Card Worth It? CONTENT: or example, the Chase Sapphire Reserve® gives you 3 points per dollar on dining and travel, which is equivalent to 4.5% cash back when you receive a 50% bonus for redeeming your points for travel through the Chase Ultimate Rewards portal. But you usually only get 1 on other purchases—equivalent to 1.5% cash back. There are also many rewards cards that offer 1.5% cash back without charging an annual fee.\nRewards aside, consider which cardholder benefits you expect to use. For example, travel cards may come with a free Priority Pass membership, which gives access to certain airport lounges. While you might earn more on everyday purchases with a no-fee card, there's certainly a value in getting to step away from a crowded airport terminal and into a lounge that has free Wi-Fi, food and drinks. END