Many high-level credit cards offer Credits that offset their annual fees For example the AmEx gold costs 250 per Year but it has two 120 credits one for Uber and ubereats and the other one is For a load of food restaurants including Shake Shack which I really like if you Max out these credits every year that Brings the annual fee down effectively To ten dollars and that's really worth It considering the AmEx gold allows you To earn four points per dollar on U.S Supermarkets and four points per dollar On restaurants worldwide I earned sixty Thousand points from those two spending Categories in 2022 and that's normally Enough for a business class flight from The US to Europe that would otherwise Cost several thousand dollars