<prompt> Human: I understand some people put in the effort and really make it work. Theyll pay 550yr for a card and get more than that in return. Ive never paid for a credit card and dont expect I ever will - it just seems simpler to use free cards and only buy things I would buy anyway no artificial spending or buying gift cards or whatever. But sometimes I wonder whether Im missing out with this thinking. So I ask, whats your take on cards with relatively high annual fees? Worth it to you or dont bother?  <response>: Like any other personal finance choice, its an economic decision. Are the benefits worth it? I have a few fee cards, because they are worth it.I travel a lot, I own my own business, and a lot of these cards have benefits for people in my situation. 