Good morning everyone. Earlier this month, my annual fees posted on my Chase IHG Rewards Select Credit Card ($49 annual fee) and Chase Hyatt Credit Card ($75 annual fee). The main reason I hold onto these credit cards is for the annual free night certificate. As a reminder, the free night certificates are not really free, since you pay the annual fee before getting the free night certificate – they are more like prepaid free night certificates with a strict expiration date. Unfortunately, both of these credit cards are no longer available to new applicants, so if you do not have these credit cards right now, there is no way for you to get them now. Both cards have been replaced by the new Chase IHG Rewards Premier Credit Card and the new Chase World of Hyatt Credit Card. Anytime one of my credit cards charges me an annual fee, I take a moment to evaluate the credit card and decide if it is still worth keeping. Here are my thoughts on both of these credit cards.
