$95 Annual Fee Cards

60,000

Bonus Points

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000

Bonus Points

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

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

Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Best for 2X on Everyday Spending

Annual Fee: $95

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 offers users a flexible and rewarding travel credit card experience with miles that can be redeemed for a variety of travel expenses.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Hyatt free nights

The World of Hyatt Credit Card

🏆 Best for Hyatt free nights

Annual Fee: $95

Up to 60,000

Bonus Points

Earn up to 60,000 points: 30,000 points after you spend $3,000 in the first 3 months from account opening. Plus, up to 30,000 more bonus points by earning 2x total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent.

Up to 60,000

Bonus Points

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

🏆 Best for Marriott free nights

Marriott Bonvoy Boundless® Credit Card

🏆 Best for Marriott free nights

Annual Fee: $95

125,000

Bonus Points

ELEVATED OFFER

Our best points offer! Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening!

125,000

Bonus Points

Our best points offer! Earn 125,000 Bonus Points after spending $5,000 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

🏆 Best for IHG Loyalists

IHG One Rewards Premier Credit Card

🏆 Best for IHG Loyalists

Annual Fee: $99

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

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

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

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

Annual Fee: $95

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

🏆 Best for frequent United flyers

United℠ Explorer Card

🏆 Best for frequent United flyers

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

50,000

Bonus Miles

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

50,000

Bonus Miles

Earn 50,000 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

Read our ultimate guide to

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.

A $95 credit card seems to be the sweet spot for many solid cards on the market. They all offer solid benefits and earning structures, but without a scary, high annual fee.

We've curated a mixed of hotel, airline, and general rewards-earning cards to help you narrow down your search and find the perfect one for you!

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What's on this page

Which Card is Right For You?

Cards That Transfer to

Other Ways to Earn

Pros & Cons

What is a Travel Credit Card

$95 Annual Fee Cards

🏆 Daily Drop's Most Popular Card

Chase Sapphire Preferred® Card

🏆 Daily Drop's Most Popular Card

Annual Fee: $95

60,000

Bonus Points

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

60,000

Bonus Points

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

Best for 2X on Everyday Spending

Capital One Venture Rewards Credit Card

Best for 2X on Everyday Spending

Annual Fee: $95

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 offers users a flexible and rewarding travel credit card experience with miles that can be redeemed for a variety of travel expenses.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Hyatt free nights

The World of Hyatt Credit Card

🏆 Best for Hyatt free nights

Annual Fee: $95

Up to 60,000

Bonus Points

Up to 60,000

Bonus Points

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Marriott free nights

Marriott Bonvoy Boundless® Credit Card

🏆 Best for Marriott free nights

Annual Fee: $95

125,000

Bonus Points

ELEVATED OFFER

Our best points offer! Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening!

125,000

Bonus Points

Our best points offer! Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening!

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for IHG Loyalists

IHG One Rewards Premier Credit Card

🏆 Best for IHG Loyalists

Annual Fee: $99

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.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for Gas Stations

Citi Strata Premier℠ Card

🏆 Best for Gas Stations

Annual Fee: $95

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

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best Chase Welcome Offer

Ink Business Preferred® Credit Card

🏆 Best Chase Welcome Offer

Annual Fee: $95

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℠.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

🏆 Best for frequent United flyers

United℠ Explorer Card

🏆 Best for frequent United flyers

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

50,000

Bonus Miles

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

50,000

Bonus Miles

Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

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.

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Which Card is Right for You?

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.

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Other Ways to Earn

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Pros and Cons

Pros

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

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

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

Cons

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

What is a Travel Credit Card?

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Browse Other Categories of Card

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.

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