Glad I’m not in a tax bracket where I would need one of these.
pr1ceisright on
Curious if anyone has a card from the right of the graphic, care to for a quick review? I have one from the left and it was amazing for years until they changed the rewards. now I’ll be cancelling before it renews.
D_zee315 on
The Mastercard Gold Card isn’t invite-only.
CE94 on
What is the difference between a standard credit card and those stupidly expensive ones?
Th3Batman86 on
I have 3 CCs. All with no annual fees. They work fine
13374L on
I have the lowest one, the venture x. It is 395/yr but you get 10000 points each year when you renew l, which is worth $100 in travel booked through their site. You also get $300 in travel credit redeemable on any travel expense. So before you even get to the other benefits, there’s $400 to offset the fee.
nluck on
jpm reserve fee is $795, same as CSR
source: my billing statement
SimpleSimon665 on
Missing the Citi Executive World Elite Mastercard
[deleted] on
[deleted]
devicehigh on
What are the benefits of these cards?
Edit: apologies I see someone else asked this and was answered. Please ignore
Emergency-Skirt-5886 on
If anyone is looking for great rates, check out your local credit union.
choco_pi on
JP Morgan Reserve is $795; it’s just an alternate, invite-only version of the Sapphire.
The LC cards (“Gold”, “Black”) are kind of a joke and not taken seriously by anyone familiar with credit cards. They aren’t even technically Mastercard’s highest tier category now.
Bilt Palladium is $495–setting aside all their questionable rollout and customer service, it’s a really competitive card on paper.
United Club Card is $695. Atmos (Alaska Airlines) has a $395 card. UBS has a branded Visa Infinite for $650. Some other investment firms have badged versions of the Amex Plat. Some regionals like Truist are starting to dabble in high end cards.
Otherwise this is a complete list, according to the tiers of cards laid out by Visa/MC/Amex themselves. Those tiers are what enforce a major drop in benefits/cost between these and the middle tier of rewards cards.
Forsaken_Insurance92 on
Fun Fact: BoA will usually waive the fee for the elite card if you’re a private branch customer.
bananasplits on
You’re missing Delta Reserve Amex as well. ($650)
qrpc on
CSR used to be $500 and had a $300 travel credit as well as other perks like free TSA-pre. It wasn’t that hard to make it pay off.
joepez on
I have one CC that I pay for and will never give it up. It has no points and no rewards. I pay $88/yr for my lifespan and the card stays fixed at the something like .75 over the current 30 year mortgage rate. So right now my APR is 6.75%. Chase tried for years to get me to give up the card and they finally gave up asking.
TacoStuffingClub on
The Players With Yourself Club.
snow_big_deal on
Weird how a “gold” card is near the top. I remember when banks started calling their cards “platinum” because “gold” didn’t sound fancy enough.
purpleinme on
The AMEX GOLD and AMEX PLAT is the greatest combo hands down. If you buy groceries every week, eat out at least twice a week, have subscriptions, travel, etc, it’s basically free money.
TheChewyWaffles on
Yah I ditched Sapphire reserve – can’t believe how much they jacked up the fee for it. No longer worth it
Matwyen on
I tried to walk to the AmEx Centurion lounge in HK airport, they looked at me and immediately told me “the other AmEx accessible lounge is right in front of here”.
I have both the Sapphire Reserve and Amex Platinum. If you’re not traveling often it may not be worth it but I can easily get back the annual fee costs for both plus more with their stacked benefits and perks.
It’s not for everyone but if you know how to use the benefits of the card you get your money on the annual fee back and also use the points for booking travel.
stonedchapo on
Amex gold didn’t even make the list
R3DFAN on
I don’t travel much, so I think getting 2% cash back on my Wells Fargo Active Cash card with no fee was the best option for my nearly $200K in charges for the past year.
![[OC] Highest U.S. Credit Card Annual Fees by Issuers as of February 2026](https://www.byteseu.com/wp-content/uploads/2026/02/ztb8zmtn1ckg1-1280x1536.png "[OC] Highest U.S. Credit Card Annual Fees by Issuers as of February 2026")
25 Comments
Glad I’m not in a tax bracket where I would need one of these.
Curious if anyone has a card from the right of the graphic, care to for a quick review? I have one from the left and it was amazing for years until they changed the rewards. now I’ll be cancelling before it renews.
The Mastercard Gold Card isn’t invite-only.
What is the difference between a standard credit card and those stupidly expensive ones?
I have 3 CCs. All with no annual fees. They work fine
I have the lowest one, the venture x. It is 395/yr but you get 10000 points each year when you renew l, which is worth $100 in travel booked through their site. You also get $300 in travel credit redeemable on any travel expense. So before you even get to the other benefits, there’s $400 to offset the fee.
jpm reserve fee is $795, same as CSR
source: my billing statement
Missing the Citi Executive World Elite Mastercard
[deleted]
What are the benefits of these cards?
Edit: apologies I see someone else asked this and was answered. Please ignore
If anyone is looking for great rates, check out your local credit union.
JP Morgan Reserve is $795; it’s just an alternate, invite-only version of the Sapphire.
The LC cards (“Gold”, “Black”) are kind of a joke and not taken seriously by anyone familiar with credit cards. They aren’t even technically Mastercard’s highest tier category now.
Bilt Palladium is $495–setting aside all their questionable rollout and customer service, it’s a really competitive card on paper.
United Club Card is $695. Atmos (Alaska Airlines) has a $395 card. UBS has a branded Visa Infinite for $650. Some other investment firms have badged versions of the Amex Plat. Some regionals like Truist are starting to dabble in high end cards.
Otherwise this is a complete list, according to the tiers of cards laid out by Visa/MC/Amex themselves. Those tiers are what enforce a major drop in benefits/cost between these and the middle tier of rewards cards.
Fun Fact: BoA will usually waive the fee for the elite card if you’re a private branch customer.
You’re missing Delta Reserve Amex as well. ($650)
CSR used to be $500 and had a $300 travel credit as well as other perks like free TSA-pre. It wasn’t that hard to make it pay off.
I have one CC that I pay for and will never give it up. It has no points and no rewards. I pay $88/yr for my lifespan and the card stays fixed at the something like .75 over the current 30 year mortgage rate. So right now my APR is 6.75%. Chase tried for years to get me to give up the card and they finally gave up asking.
The Players With Yourself Club.
Weird how a “gold” card is near the top. I remember when banks started calling their cards “platinum” because “gold” didn’t sound fancy enough.
The AMEX GOLD and AMEX PLAT is the greatest combo hands down. If you buy groceries every week, eat out at least twice a week, have subscriptions, travel, etc, it’s basically free money.
Yah I ditched Sapphire reserve – can’t believe how much they jacked up the fee for it. No longer worth it
I tried to walk to the AmEx Centurion lounge in HK airport, they looked at me and immediately told me “the other AmEx accessible lounge is right in front of here”.
This isn’t accurate. The Chase United Club Card, for instance, is $695: https://creditcards.chase.com/travel-credit-cards/united/club-infinite
I have both the Sapphire Reserve and Amex Platinum. If you’re not traveling often it may not be worth it but I can easily get back the annual fee costs for both plus more with their stacked benefits and perks.
It’s not for everyone but if you know how to use the benefits of the card you get your money on the annual fee back and also use the points for booking travel.
Amex gold didn’t even make the list
I don’t travel much, so I think getting 2% cash back on my Wells Fargo Active Cash card with no fee was the best option for my nearly $200K in charges for the past year.