<prompt> Human: What are PFs thoughts on credit cards with annual fees? Is it ever worth it? At the moment Im considering getting a Skymiles card which is Amex. I do a lot of flying with Delta and have been collecting quite a few miles, so the linked mileage a big benefit. But the huge spanner in the works is the 95 annual fee. Thats just so hard to justify.Does anybody have this card? Does anyone have thoughts on annual fees in general?  <response>: Its worth it if the rewards outweight the 95 annual fee. That is, if you can obtain X of rewards using a no-fee credit card, you would need to be able to obtain X 95 worth of rewards with this 95 annual fee.Some people have attempted to threaten to cancel in order to get the credit card companies to waive the fee, although they are of course under no obligation to do so. I dont know the success rate of this strategy.You might also want to check out rchurning 