You can also use points to offset your annual fee at a value of 1.25 cents per point. The Chase Sapphire Reserve is a $550 annual fee card that has a plethora of incredible benefits such as a $300/year travel credit, $180 annual Instacart credit, $60 annual DoorDash credit, Priority Plus lounge access including non-traditional lounge access, airline and hotel transfer partners, Global Entry/PreCheck/Nexus credit, and more benefits that can easily offset that annual fee.The Chase Ink Cash is a no annual fee business card which earns 5 points per dollar at office supply stores up to $25,000/year per Ink Cash Card.That card gives 2% cash back, though there are also paths to convert those to miles with other cards if wanted.īut if you do travel, you can easily start saving 7.5% back on tons of purchases with what may be the best card duo of all time. If someone has no interest in travel, I’d tell them to get a 2% cash back card such as the Citi Double Cash card. There are dozens of great cards with different benefits for each person’s needs. Spending on a credit card is a great decision if you can treat it as cash and always pay your bills on time.
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