I am not used to paying annual fees on credit cards, and most of these great airline rewards cards, or the Chase Sapphire Preferred Plus, have annual fees.

How can I decide if the reward is worth the $95 annual fee? If I got 1% cash back on a no annual fee card that is about 10K of spending per yr that I would have to do just to 0 out the reward. A few of you above said you can get more than 1% worth of rewards which seems like it would make up for it as you spend more.

I would love to get your thinking behind these annual fee cards. Thanks!