If you know what you are doing, the credits that you get for doing things you already do should offset the annual fee even if you don’t use the card. Wander over to r/creditcards.
We have five Delta cards between my wife and myself that we only make one charge a year on for the hotel credits. Just by having the card, we get a buy one get one free plane ticket good for anywhere in the US, Mexico, Central America or the Caribbean. That more than pays the annual fee.
We have over a dozen trips planned this year and we took over a dozen each year since mid 2021. It’s a hint of ours.
We have five Delta cards between my wife and myself that we only make one charge a year on for the hotel credits. Just by having the card, we get a buy one get one free plane ticket good for anywhere in the US, Mexico, Central America or the Caribbean. That more than pays the annual fee.
We have over a dozen trips planned this year and we took over a dozen each year since mid 2021. It’s a hint of ours.