Thinking about upgrading to a premium credit card, but the fees seem high.
Do the perks actually justify the cost in real life, or is it mostly marketing?
Would love to hear real experiences.
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Depends on how much you spend, where you spend, if you carry a balance or not. etc.
For my situation, only Costco or Sam’s club make sense for me. I rarely fly any where, only travel domestically, usually, and don’t do much “fine dining”.
Worth it only if you fully use the perks; otherwise, not really.