8 of the best $95 Annual Fee Cards

A $95 credit card seems to be the sweet spot for many solid cards on the market. They all offer valuable benefits and earning structures without a scary, high annual fee. We've curated a mix of hotel, airline, and general rewards-earning cards to help you narrow down your search and find the perfect one for you! Whether you’re looking for travel perks or everyday rewards, these picks offer impressive value without breaking the bank. Start exploring our top choices to find the one that best fits your travel needs.

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best for 2X on Everyday Spending

Annual Fee: $95

Rates & Fees
|
Terms Apply
75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.
75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.
The Capital One Venture Rewards credit card makes travel rewarding and easy. Earn miles on every purchase, which you can redeem for various travel expenses like flights, hotels, and car rentals. Plus, with no foreign transaction fees, it’s an ideal choice for international travel. If you’re looking to maximize rewards without crazy fees, this card would be a great addition to your wallet. This one continues to be a Daily Drop favorite.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Hyatt free nights

The World of Hyatt Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

🏆 Best for Hyatt free nights

Annual Fee: $95

Rates & Fees
|
Terms Apply
Up to 60,000
Bonus Points
Earn up to 60,000 Bonus Points. Earn 30,000 points after you spend $3,000 in your first 3 months. Plus, up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
Up to 60,000
Bonus Points
Earn up to 60,000 Bonus Points. Earn 30,000 points after you spend $3,000 in your first 3 months. Plus, up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
The World of Hyatt credit card provides exceptional benefits for frequent travelers, granting access to bonus points on Hyatt purchases, complimentary nights at luxurious properties, and elite status upgrades. With its generous rewards program and travel perks, this card is tailored to elevate your hotel experiences and maximize your Hyatt loyalty.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Marriott free nights

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

🏆 Best for Marriott free nights

Annual Fee: $95

Rates & Fees
|
Terms Apply
3 Free Night Awards
Bonus Points
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
Bonus Points
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
The Marriott Boundless card is a low-annual-fee card that offers generous perks and benefits for Marriott loyalists. You'll earn a whopping number of points per dollar spent at Marriott properties, in addition to being gifted automatic Silver Elite status. Overall, this is an excellent card for travelers eager to get started with Marriott.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for IHG Loyalists

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

🏆 Best for IHG Loyalists

Annual Fee: $99

Rates & Fees
|
Terms Apply
140,000
Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
140,000
Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
The IHG One Rewards Premier Credit Card is an excellent choice for frequent travelers and hotel enthusiasts. With this card, you can earn valuable IHG Rewards points on your everyday purchases and enjoy premium benefits like complimentary hotel nights, automatic elite status, and more, making it the perfect companion for those seeking luxury hotel experiences.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

Annual Fee: $95

Rates & Fees
|
Terms Apply
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for frequent United flyers

United℠ Explorer Card

United℠ Explorer Card

United℠ Explorer Card

🏆 Best for frequent United flyers

$0 intro annual fee the first year, then $95

Rates & Fees
|
Terms Apply
60,000
Bonus Miles
LIMITED TIME OFFER
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000
Bonus Miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
The United Explorer Card is a co-branded airline credit card designed for individuals who frequently travel with United Airlines. It offers United MileagePlus miles for spending, a free checked bag, and other travel benefits, making it a suitable choice for those who want to earn rewards and enjoy perks when flying with United.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

8 of the best $95 Annual Fee Cards

A $95 credit card seems to be the sweet spot for many solid cards on the market. They all offer valuable benefits and earning structures without a scary, high annual fee. We've curated a mix of hotel, airline, and general rewards-earning cards to help you narrow down your search and find the perfect one for you! Whether you’re looking for travel perks or everyday rewards, these picks offer impressive value without breaking the bank. Start exploring our top choices to find the one that best fits your travel needs.

Read our ultimate guide to
here
Read the guide
Find current Transfer Partners for
here
Find transfer partners
What's on this page
8 of the best $95 Annual Fee Cards
Best credit cards for business
Best credit cards for personal
Cards That Transfer to
Which Card is Right For You?
Other Ways to Earn
Pros & Cons
Related Videos
Related Ranked Lists
Browse Other Categories of Cards
FAQs

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

Rates & Fees
|
Terms Apply
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000
Bonus Points
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
The Chase Sapphire Preferred card is a popular travel rewards credit card known for its excellent earning potential—we love it at Daily Drop! Cardholders can redeem their points for travel through the Chase Ultimate Rewards portal or transfer them to various airline and hotel loyalty programs for added flexibility.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Best for 2X on Everyday Spending

Annual Fee: $95

Rates & Fees
|
Terms Apply
75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.
75,000
Bonus Miles
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months of account opening.
The Capital One Venture Rewards credit card makes travel rewarding and easy. Earn miles on every purchase, which you can redeem for various travel expenses like flights, hotels, and car rentals. Plus, with no foreign transaction fees, it’s an ideal choice for international travel. If you’re looking to maximize rewards without crazy fees, this card would be a great addition to your wallet. This one continues to be a Daily Drop favorite.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Hyatt free nights

The World of Hyatt Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

🏆 Best for Hyatt free nights

Annual Fee: $95

Rates & Fees
|
Terms Apply
Up to 60,000
Bonus Points
Earn up to 60,000 Bonus Points. Earn 30,000 points after you spend $3,000 in your first 3 months. Plus, up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
Up to 60,000
Bonus Points
Earn up to 60,000 Bonus Points. Earn 30,000 points after you spend $3,000 in your first 3 months. Plus, up to 30,000 more points by earning 2 Bonus Points total per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
The World of Hyatt credit card provides exceptional benefits for frequent travelers, granting access to bonus points on Hyatt purchases, complimentary nights at luxurious properties, and elite status upgrades. With its generous rewards program and travel perks, this card is tailored to elevate your hotel experiences and maximize your Hyatt loyalty.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Marriott free nights

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

🏆 Best for Marriott free nights

Annual Fee: $95

Rates & Fees
|
Terms Apply
3 Free Night Awards
Bonus Points
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
Bonus Points
3 Free Night Awards
Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.
The Marriott Boundless card is a low-annual-fee card that offers generous perks and benefits for Marriott loyalists. You'll earn a whopping number of points per dollar spent at Marriott properties, in addition to being gifted automatic Silver Elite status. Overall, this is an excellent card for travelers eager to get started with Marriott.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for IHG Loyalists

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

IHG One Rewards Premier Credit Card

🏆 Best for IHG Loyalists

Annual Fee: $99

Rates & Fees
|
Terms Apply
140,000
Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
140,000
Bonus Points
Earn 140,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening.
The IHG One Rewards Premier Credit Card is an excellent choice for frequent travelers and hotel enthusiasts. With this card, you can earn valuable IHG Rewards points on your everyday purchases and enjoy premium benefits like complimentary hotel nights, automatic elite status, and more, making it the perfect companion for those seeking luxury hotel experiences.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

Rates & Fees
|
Terms Apply
70,000
Bonus Points
LIMITED TIME OFFER
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
70,000
Bonus Points
Earn 70,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
The Citi Strata Premier is the latest and greatest card from Citi. It features solid earning rates on everyday spending categories such as air travel, hotel purchases, restaurants, supermarkets, gas, and even EV charging stations. With a low annual fee, we view it as a solid, mid-tiered card no matter if you like to earn rewards on travel or just on your everyday activities.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

Annual Fee: $95

Rates & Fees
|
Terms Apply
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
90,000
Bonus Points
Earn 90,000 bonus points after spending $8,000 in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠.
The Ink Business Preferred® Credit Card is a premier choice for small business owners seeking rewards and travel benefits. This card offers generous points on business expenses, including travel and advertising, and provides other valuable perks such as flexible redemption options, making it a top pick for those looking to maximize their business spending.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

🏆 Best for frequent United flyers

United℠ Explorer Card

United℠ Explorer Card

United℠ Explorer Card

🏆 Best for frequent United flyers

$0 intro annual fee the first year, then $95

Rates & Fees
|
Terms Apply
60,000
Bonus Miles
LIMITED TIME OFFER
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000
Bonus Miles
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
The United Explorer Card is a co-branded airline credit card designed for individuals who frequently travel with United Airlines. It offers United MileagePlus miles for spending, a free checked bag, and other travel benefits, making it a suitable choice for those who want to earn rewards and enjoy perks when flying with United.
✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool
🚀 Learn How to Apply
👀 Read Our Take

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Personal Cards

No items found.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Business Cards

No items found.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

No items found.

Which Card is Right for You?

Choosing the best $95 annual fee card dependson your spending habits and what you value most. Are you after robust travelrewards, cash back, or premium perks? We’ll help you find the card that alignswith your financial goals and maximizes the value of that $95 annual fee.

‍

Other Ways to Earn

Beyond the benefits of a $95 annual fee card, there are additional ways to earn rewards. Many cards offer bonus categories, promotions, and partnerships that can further enhance your rewards. Learn how to make the most of these opportunities based on each card's earning rates and offers.

‍

Pros and Cons

Pros

[.pro] At $95, the annual fee is relatively low compared to premium cards, offering a balance of cost and benefits [.pro]

‍

[.pro] Based on your card, enjoy access to perks like travel insurance purchase protection, and rewards programs without the higher fees of premium cards [.pro]

‍

[.pro] Many $95 annual fee cards offer competitive rewards rates on everyday spending, providing good value for such a low cost [.pro]

Cons

[.con] Compared to higher annual fee cards, you might miss out on top-tier travel benefits or luxury perks [.con]

FAQs

Can I earn rewards with a $95 annual fee card?

Yes, many $95 annual fee cards offer competitive rewards rates on various spending categories, including cash back, travel rewards, and points that can be redeemed for hello...travel.

What should I consider when choosing a $95 annual fee card?

Look at the rewards program, benefits, and any additional perks included with the card. Ensure that the overall value you receive from the card justifies the $95 annual fee.

How does the $95 annual fee compare to higher fee cards?

While the $95 annual fee is lower than many premium cards, higher fee cards often offer more extensive benefits and perks. Assess whether the additional cost of a higher fee card aligns with the value of the benefits you're wanting.

What benefits do $95 annual fee cards offer?

These cards typically offer a range of benefits such as rewards on purchases, travel insurance, purchase protection, and sometimes access to special offers or discounts, all for a super low annual fee.

Authors

Written by: McKay Moffitt

Content Specialist

‍

Edited by: Tiffany Eastham

Writer & Editor 

‍

🏆 Daily Drop's Most Popular Card
Learn more
What's on this page
8 of the best $95 Annual Fee Cards
Best credit cards for business
Best credit cards for personal
Cards That Transfer to
Which Card is Right For You?
Other Ways to Earn
Pros & Cons
Related Videos
Related Ranked Lists
Browse Other Categories of Cards
FAQs