<prompt> Human: I find too many people saying, I would never pay to have a credit card! they already charge interest!. In many circumstances paying for a card with a yearly fee with net you a profit rather than going with the NO FEE alternative.Example using standard cash back credit cardsNo Fee Card: 1 cash back on purchases120 yearly fee card: 1.75So in order to make the 120 fee worth it, the additional 0.75 has to pay for the 120 fee. Any spending above the fee will be a net profit of .75 above the no fee card.So what is the threshold where the 120 fee card breaks even with the no fee card?: 120.0075 16,000. Meaning that if you spend 16,000 on the credit card each year you will cover the fee and any additional spending will net .75 more than the no fee card.Another important consideration is that most 120 cards offer a promotional incentive like travel points, fee waiver, etc. Ive found that the promotions for signing up are roughly about 150- 350 worth of travel points.The one I just signed up for offer 350 in travel points for signing up. Lets say I only use the card for one year, get the points then cancel it after.I will receive the 350 points then subtract the 120 fee -230 Meaning Ive been paid net 230 by the credit card just for signing up.Now lets add to that the additional earnings from the extra .75. These earnings will depend on your spending. Lets just say we spend 500 a month using the credit card, thats 6,000 a year. 6,000 .075 45. Total earnings above the no fee card: 230 45 275This means that even after paying the 120 fee, you are making 275 dollars more than the no fee option. 120 credit cards will often offer travel cancellation, medical, roadside assistance etc. Im not going to put a dollar amount on these service, but keep in mind that this is more earnings!TL:DR - Credit cards that charge yearly Fees of 100 can be worth it because of the promotions for signing up, the additional percent cash back or points, and the services they offer. This is assuming you are paying off your credit card and no carrying a balance  <response>: 120 credit cards will often offer travel cancellation, medical, roadside assistance etc.The problem is thats the VISA signature benefits ANY VISA signature card offers that, my credit union says any card with a 5k limit or higher is VISA signature.And my no-fee cards are 1.5-5, last month, on 2k spent, I got 2.7 cashback. And I wouldnt count signup bonuses because they dont apply the second year and the fees usually dont apply the first year.I dont think I could justify a fee card because there is simply no way Im making it back, there are too many free cards with 5 cashback options. The exception is probably the higher end Amex cards and similar, the kind you get when you spend 20kmonth, where a 1k fee is 0.4 and gets you some very very significant benefits. 