No. of Recommendations: 1
I have had an American Express Green Card and have used it as my primary card for several years now, paying off the balance in full per the Cardmember agreement. I am beginning to have an internal debate on whether it is worth the annual fee. I know that AmEx has recently changed their fee structure, and I haven't had time to look into it too much, but right now I pay $55/year for the card, $45/year for the Membership Rewards program, and $35/year so my fiancee can have a card too.

With cards like the MBNA WorldCard, which offers a rewards program very similar to Membership Rewards but charges no annual fee, as well as cash-back cards like Citibank Dividend or FUSA CashIn, I am having trouble justifying paying these annual fees to AmEx. I have justified it in the past because of the outstanding service I always received from AmEx. I recently had fraud on my Card and they turned what could have been a nightmare into an easy-to-deal-with experience. I wonder whether paying $100+/year is worth it for the knowledge that great customer service will always be there. Not to mention, although I know people on this board have legitimate gripes with FUSA and MBNA, I have had good experiences with these two companies.

In short, I want a card that I will pay off in full every month and gives me some sort of rewards program, outstanding customer service, and minimized fees. I'd also kind of like to see a discussion about what people generally think of annual fees for a card like AmEx.

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