Paying OVER $2,000 in annual fees

Close of 2024 Update

Earlier this March, we shared how together we paid almost $2,000 in annual fees. Well, now taking all of 2024 into account, we are well over that number, even after downgrading some annual fee cards. Read the blog post to see if we recoup the value of all these cards or not.

2024 Update

As a reminder, hard credits are direct 1:1 credits you receive for vendors or in statement credit. Personally I have excluded some, like the $50 hotel credit on the Chase Sapphire Preferred since the top one never used that credit before downgrading, and I don’t expect the second one to use it either. Read the entire blog post for those kind of nuggets.

Credit Card Tier List Summary

For new subscribers, I’ve been ranking the most popular US personal credit cards on Instagram.

  1. Cardless Avianca Lifemiles Elite - Niche | Can be helpful not just for Avianca, but Star Allianca flights in general.

  2. Cardless Avianca Lifemiles - Intro | Still provides silver status which can be matched to Star Alliance silver.

  3. Cardless TAP Miles & Go - Useless | Not many benefits for this international carrier.

  4. Cardless LATAM World Elite - Useless | Not many benefits for an annual fee card - no status perks like the Avianca card.

  5. Cardless LATAM - Useless | Bare of any benefits

  6. Affirm - Harmful | Buy Now Pay Later programs just make you spend and risk paying interest.

  7. Chime - Intro | A solid, helpful card to get started in building your credit.

What’s In our Wallets (Newsletter Exclusive)

Our lineup for this week is below. See our rationale here just for newsletter subscribers like you.

Matthew: Capital One Business Spark Cash Plus | Citi Custom Cash | Chase Freedom Flex

Sarah: Citi AAdvantage Platinum Select | American Express Gold | Capital One Venture X

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About WuhooPoints

WuhooPoints focuses on the credit card consultation side of Wuhoo Group. Here we help with both the accrual of points and perks and the use of points for free travel.

About Wuhoo Group

Wuhoo Group was founded in 2022 to accent people’s lives with bespoke events and free luxury travel. We are based out of Northern Virginia and are always down to help brainstorm and develop fun ideas into plans.