If Annual Fees Were not an Issue
It’s no secret that annual fees are a nuisance. However, in some cases there are enough perks associated with certain credit cards to justify annual fees. Furthermore, if annual fees were not an issue, I would probably not care as much about churning credit card as much, so in some cases, I would simply renew the credit card. If annual fees weren’t an issue, I would probably be travelling much more often, which is why my portfolio may seem more travel centric.