Which U.S. credit card should you choose in 2026? This guide compares Chase Freedom Rise, Freedom Unlimited, Capital One Savor, Amex Blue Cash Preferred, Amex Gold, Chase Sapphire Preferred, Capital One Venture X, Chase Sapphire Reserve, Amex Platinum, Bilt Blue and Discover it Cash Back by annual fee, rewards, travel benefits and ideal user type.
2026 Best Credit Cards in the U.S.｜Top Picks for Beginners, Cash Back, Groceries, Dining and Travel
Choosing a credit card in the United States can feel overwhelming.
It is easy to see offers such as:
“5% Cash Back”
“75,000 Points”
“Airport Lounge Access”
and assume that the card with the largest bonus or highest annual fee must be the best one.
In reality, the right credit card depends much more on how you spend money.
For someone who recently moved to the United States and has a short credit history, a US$0 annual fee card that can be kept for many years may be more useful than a premium travel card.
Families may care more about grocery and gas rewards.
Frequent travelers may care more about airline and hotel transfer partners, travel credits, airport lounges and foreign transaction fees.
Several popular cards have also changed in 2026.
Chase Sapphire Preferred now includes 3X rewards on gas, EV charging and selected vacation-home purchases, while Chase Sapphire Reserve currently carries a US$795 annual fee and the American Express Platinum Card has a US$895 annual fee.
So instead of asking:
“What is the best credit card?”
A better question is:
“Where do I spend the most money every month?”
Information updated: August 8, 2026.
2026 U.S. Credit Card Quick Comparison
| Best For | Recommended Card | Annual Fee | Main Benefit |
|---|---|---|---|
| Building credit | Chase Freedom Rise | US$0 | 1.5% base rewards, beginner and student focused |
| Everyday spending | Chase Freedom Unlimited | US$0 | 1.5% base, 3% dining and drugstores |
| Dining + groceries | Capital One Savor | US$0 | 3% dining, grocery stores and entertainment |
| Family grocery spending | Amex Blue Cash Preferred | US$0 first year, then US$95 | Up to 6% at U.S. supermarkets |
| Dining + grocery points | Amex Gold | US$325 | 4X restaurants and U.S. supermarkets |
| Mid-tier travel | Chase Sapphire Preferred | US$95 | Travel, dining, gas, EV and other bonus categories |
| Premium travel | Capital One Venture X | US$395 | 2X everywhere, travel credit and lounges |
| Premium Chase travel | Chase Sapphire Reserve | US$795 | 8X Chase Travel, 4X direct flights and hotels |
| Premium airport benefits | Amex Platinum | US$895 | 5X flights plus extensive lounge and credit benefits |
| Rent / housing payments | Bilt Blue | US$0 | Earn rewards on eligible housing payments |
| First-year cash back | Discover it Cash Back | US$0 | Rotating 5% categories plus first-year Cashback Match |
1. Chase Freedom Rise｜A Strong Option for New-to-Credit Users
For someone who recently moved to the United States and has a limited credit history, the first credit card should not necessarily be a premium travel card.
The more important goals are:
-
Building payment history
-
Establishing account age
-
Paying on time every month
-
Gradually building a credit score
Chase Freedom Rise currently has a US$0 annual fee and is specifically positioned toward people who are new to credit and students.
Main features include:
-
1.5% cash back on general purchases
-
Up to 3% on dining during the first six months under the current promotion and applicable limits
-
A US$25 statement credit for setting up qualifying AutoPay
-
US$0 annual fee
Chase also states that having at least US$250 in a Chase checking or savings account may improve approval chances, although approval is never guaranteed.
Best for:
-
People who recently moved to the U.S.
-
Thin U.S. credit history
-
College students
-
First or early-stage credit cards
-
Anyone who wants to avoid an annual fee
The biggest advantage of this type of card is that it can potentially be kept open for many years.
2. Chase Freedom Unlimited｜One of the Simplest No-Annual-Fee Everyday Cards
If you already have some credit history and do not want to track rotating categories, Freedom Unlimited is a simple everyday option.
Current rewards include:
-
US$0 annual fee
-
1.5% on general purchases
-
3% on dining
-
3% at drugstores
-
5% through Chase Travel
The current public welcome offer is US$200 after spending US$500 within the first three months, although offers can change.
The biggest advantage is simplicity.
For example:
Dining → 3%
Drugstores such as CVS or Walgreens → 3%
Other everyday purchases → 1.5%
No quarterly category activation is required.
Why Freedom Unlimited Works Well with a Sapphire Card
Freedom Unlimited earns rewards within the Chase Ultimate Rewards ecosystem.
If you later add an eligible Chase Sapphire card, the combination can create a more complete travel-points strategy.
A simple way to think about it:
Freedom Unlimited handles everyday spending.
Sapphire handles travel, dining and more advanced redemption opportunities.
For people gradually learning travel rewards, this can be easier than immediately starting with a US$795 premium card.
3. Capital One Savor｜No-Fee Dining, Grocery and Entertainment Rewards
If most of your spending goes toward:
-
Restaurants
-
Groceries
-
Movies
-
Concerts
-
Entertainment
Capital One Savor is worth comparing.
The current excellent-credit version offers:
-
US$0 annual fee
-
3% at grocery stores
-
3% on dining
-
3% on entertainment
-
1% on other purchases
The current public offer may include a US$250 cash bonus after spending US$500 during the first three months.
Offers can change.
Important Grocery Restriction on Capital One Savor
Capital One specifically excludes superstores such as:
-
Walmart
-
Target
from the 3% grocery-store category.
So “3% grocery rewards” does not mean every store that sells food automatically qualifies.
Traditional supermarkets and grocery stores are more likely to fall under the category.
4. Amex Blue Cash Preferred｜Strong for Families That Spend Heavily on Groceries
If a household shops at U.S. supermarkets every week, the Blue Cash Preferred Card can be easy to evaluate.
Current structure:
-
US$0 annual fee for the first year
-
US$95 per year afterward
-
6% at U.S. supermarkets
-
6% applies to up to US$6,000 in annual supermarket purchases, then 1%
-
6% on select U.S. streaming services
-
3% at U.S. gas stations
-
3% on transit
-
1% on other eligible purchases
For example, if a family spends exactly US$6,000 at qualifying U.S. supermarkets:
US$6,000 × 6%
=
US$360 Cash Back
Even after the US$95 annual fee begins in year two, grocery spending alone may make the card worthwhile for some households.
Who Is Blue Cash Preferred Best For?
It may be a strong fit for households that:
-
Buy groceries every week
-
Have children
-
Drive frequently
-
Use rideshare or public transit
-
Pay for eligible streaming services
Blue Cash Preferred may also include an eligible Disney streaming credit with enrollment.
5. American Express Gold｜Strong Dining and Grocery Points
Amex Gold is not primarily a cash-back card.
It earns:
Membership Rewards Points
Current annual fee:
US$325
Current major earning categories include:
-
4X at restaurants worldwide
-
Up to US$50,000 per calendar year, then 1X
-
4X at U.S. supermarkets
-
Up to US$25,000 per calendar year, then 1X
-
5X on eligible prepaid hotels through Amex Travel
-
3X on eligible flights
-
1X on other purchases
Who Should Consider Amex Gold?
If your two largest categories are:
Dining
+
Groceries
Amex Gold can be attractive.
For example:
Restaurants: US$10,000 per year
Groceries: US$10,000 per year
Those two categories could generate approximately:
80,000 Membership Rewards Points
The real value depends on how you redeem the points.
Amex Gold Also Includes Dining-Related Credits
Current benefits may include:
-
Up to US$120 Dining Credit
-
Up to US$120 Uber Cash
-
Up to US$100 Resy Credit
Each benefit has its own merchants, enrollment rules and monthly or semiannual timing.
Do not simply add the advertised credit values and assume the card is automatically worth the annual fee.
The important question is:
Would you naturally use those merchants anyway?
6. Chase Sapphire Preferred｜A Strong Mid-Tier Travel Card in 2026
For travelers who take several trips per year but do not want to pay US$395, US$795 or US$895 in annual fees, Chase Sapphire Preferred is still a practical mid-tier option.
Annual fee:
US$95
Current 2026 rewards include:
-
5X through Chase Travel
-
3X dining
-
3X gas stations
-
3X EV charging
-
3X at selected vacation-home brands
-
3X select streaming
-
3X online grocery
-
2X other travel
-
1X other purchases
What Changed with Sapphire Preferred in 2026?
The updated card now includes:
3X Gas Stations
3X EV Charging
3X selected Vacation Homes
This makes it more useful for:
-
Road trips
-
Rental-car travel
-
EV owners
-
Travelers booking Airbnb- or Vrbo-style stays through eligible partners
Sapphire Preferred Travel Benefits
Current benefits may also include:
-
Up to US$100 annual Chase Travel hotel credit
-
Up to US$120 toward Global Entry, TSA PreCheck or NEXUS every four years
-
Travel protections
-
DoorDash benefits
-
Selected Lyft and Peloton benefits
At a US$95 annual fee, it can fit travelers who:
Travel several times a year
+
Eat out regularly
+
Drive frequently
7. Capital One Venture X｜A Premium Travel Card That Is Relatively Easy to Evaluate
Venture X currently has a:
US$395 annual fee.
Main features include:
-
2X miles on general purchases
-
Higher rewards on hotels and rental cars through Capital One Travel
-
Higher rewards on flights through Capital One Travel
-
US$300 annual Capital One Travel credit
-
10,000 anniversary bonus miles each year
-
Capital One Lounge access
-
Priority Pass access to 1,300+ lounges
-
Up to US$120 toward Global Entry or TSA PreCheck
Why Frequent Travelers Consider Venture X
The annual fee is relatively straightforward to analyze.
US$395 annual fee
If you naturally use:
US$300 Capital One Travel Credit
plus:
10,000 Anniversary Miles
the effective cost may feel substantially lower.
The key condition is that you actually use Capital One Travel.
8. Chase Sapphire Reserve｜US$795 Annual Fee Means You Need to Use the Benefits
Sapphire Reserve currently costs:
US$795 per year.
Authorized users:
US$195 each.
Current major earning rates include:
-
8X through Chase Travel
-
4X on flights booked directly with airlines
-
4X on hotels booked directly
-
3X dining worldwide
-
1X other purchases
It also includes benefits such as:
-
US$300 annual travel credit
-
The Edit hotel credit
-
Airport lounge access
-
Other premium travel and lifestyle benefits
Who Should Consider Sapphire Reserve?
It makes more sense for people who:
-
Fly frequently
-
Use airport lounges
-
Use Chase Travel
-
Have high annual travel spending
-
Can naturally use the card’s credits
If you travel only once or twice per year, it may be hard to justify a US$795 annual fee based only on occasional lounge visits.
In that situation, compare:
Chase Sapphire Preferred
or
Capital One Venture X
first.
9. Amex Platinum｜A Premium Benefits Card, Not an Everyday Spending Card
The American Express Platinum Card currently has a:
US$895 annual fee.
Major earning categories include:
-
5X on eligible flights
-
5X on eligible prepaid hotels through Amex Travel
-
1X on most other purchases
This means Platinum is not necessarily the best card for everyday spending.
What Is Amex Platinum Actually Good At?
Its core value comes from travel and lifestyle benefits.
Current benefits may include:
-
Amex Global Lounge Collection
-
Centurion Lounges
-
Eligible Priority Pass benefits
-
Eligible Delta Sky Club access
-
Up to US$600 in hotel credits
-
Airline fee credits
-
Uber-related benefits
-
CLEAR+ benefits
-
Hotel status
-
Dining and lifestyle credits
The current US$600 hotel benefit is generally split into up to US$300 every six months for eligible prepaid Fine Hotels + Resorts or qualifying The Hotel Collection bookings through Amex Travel.
Who Should Consider Amex Platinum?
It is more appropriate for people who:
-
Fly frequently
-
Use airport lounges often
-
Stay at Fine Hotels + Resorts
-
Already use Uber, CLEAR and similar services
-
Can naturally use many of the included credits
It is not a card to get simply because “Platinum sounds premium.”
US$895 is a significant annual fee.
10. Bilt Blue｜Worth Understanding If You Pay Rent or Other Housing Expenses
The newer Bilt Blue currently has:
US$0 annual fee.
Its biggest differentiator is the ability to make eligible:
-
Rent
-
Mortgage
-
HOA
housing payments through Bilt without the standard credit-card transaction fee that housing payments often incur.
Bilt Blue Current Reward Structure
Current rewards may include:
-
Up to 4X through Bilt Dining partners
-
3X on hotels through Bilt Travel
-
3X Lyft
-
2X flights through Bilt Travel
-
1X on general purchases
-
Up to 1.25X on qualifying housing payments under the Housing-only Rewards structure
If monthly rent is:
US$3,000
Annual rent is:
US$36,000
For people who previously earned nothing on that large annual expense, Bilt can have a unique role.
11. Discover it Cash Back｜Especially Interesting in the First Year
Discover it Cash Back currently offers:
-
US$0 annual fee
-
Up to 5% cash back in rotating quarterly categories
-
Activation required
-
Quarterly spending caps
-
1% on other purchases
Its biggest feature is:
Unlimited Cashback Match
For eligible new cardholders, Discover matches the cash back earned during the first 365 days on a dollar-for-dollar basis under the current offer.
Example of Discover Cashback Match
If you earn:
US$400 Cash Back
during your first year,
Discover may match:
US$400
for a total of:
US$800
That first-year match is one of the card’s biggest selling points.
Who Is Discover it Cash Back Best For?
It may be good for people who:
-
Like rotating 5% categories
-
Are willing to activate categories every quarter
-
Want a US$0 annual fee
-
Want to maximize the first-year Cashback Match
People who do not want to track categories may prefer something simpler such as:
Freedom Unlimited
or
Capital One Savor
12. Student Credit Cards to Consider
Students in the United States can compare:
-
Chase Freedom Rise
-
Capital One Savor Student
-
Discover it Student Cash Back
-
Capital One Quicksilver Student
Capital One Savor Student currently includes:
-
US$0 annual fee
-
3% at grocery stores
-
3% dining
-
3% entertainment
-
1% other purchases
A qualifying student welcome bonus may also be available.
Discover also offers student cash-back products with rotating 5% categories, 1% on other purchases and first-year Cashback Match under current terms.
What If You Have No U.S. Credit History?
If you have just moved to the United States and have no credit file, do not assume that you will immediately qualify for:
Sapphire
Gold
Platinum
Venture X
Credit-card approval may depend on:
-
Credit history
-
Credit score
-
Income
-
Existing accounts
-
Recent applications
-
The issuer’s internal underwriting standards
More realistic starting points may include:
-
Chase Freedom Rise
-
Student credit cards
-
Secured credit cards
-
Entry-level cards from your existing bank
What Is a Secured Credit Card?
A secured credit card usually requires a:
Security Deposit
For example:
US$200.
The deposit serves as collateral for the issuer.
It does not mean you are simply spending your own deposited money.
The account still functions as a credit card.
Responsible use and on-time payments can help establish credit history.
Some secured cards may later graduate to an unsecured product and return the deposit if the account meets the issuer’s requirements.
Cash Back or Points: Which Is Better?
If you do not want to study airline transfers and redemption strategies:
Choose Cash Back.
Examples include:
Freedom Unlimited
Savor
Blue Cash Preferred
If you enjoy learning about:
-
Airline miles
-
Hotel points
-
Transfer partners
-
Business Class
-
International travel
then consider ecosystems such as:
Chase Ultimate Rewards
Amex Membership Rewards
Capital One Miles
Bilt Rewards
Which Credit Card Is Best for Groceries?
For Cash Back:
Blue Cash Preferred
→ Up to 6% at qualifying U.S. supermarkets, subject to the US$6,000 annual cap.
For Points:
Amex Gold
→ 4X at U.S. supermarkets, up to US$25,000 per year.
For No Annual Fee:
Capital One Savor
→ 3% at qualifying grocery stores.
Which Credit Card Is Best for Dining?
No annual fee:
Capital One Savor → 3%
Freedom Unlimited → 3%
Points:
Amex Gold → 4X
Sapphire Preferred → 3X
Sapphire Reserve → 3X
Which Credit Card Is Best for Gas?
2026 Chase Sapphire Preferred:
Gas Stations → 3X
EV Charging → 3X
Blue Cash Preferred:
U.S. Gas Stations → 3%
Sapphire Preferred is therefore more attractive than before for road trips and EV households.
Which Card Is Best for Travel?
For general travel:
Chase Sapphire Preferred
For premium travel with relatively straightforward value:
Capital One Venture X
For high-frequency Chase travelers:
Chase Sapphire Reserve
For extensive lounge access and luxury travel:
Amex Platinum
The best card depends on how often you actually:
Fly
Stay in hotels
Use lounges
Use travel credits
Should Your First Credit Card Have an Annual Fee?
For many people who are just beginning to build credit, a:
US$0 Annual Fee
card can make more sense.
Why?
Your first card may remain open for many years.
Account age is part of the overall credit profile.
There is usually no need to rush into a premium annual-fee card simply because it has a large welcome bonus.
Welcome Bonuses Matter, but Do Not Overspend to Earn Them
Example:
Spend US$5,000 in three months
→ Earn 75,000 Points
If you were already going to spend US$5,000 naturally:
Great.
If you normally spend only US$2,000 but buy an extra US$3,000 of unnecessary items just to hit the bonus:
The strategy no longer makes much sense.
The best welcome-bonus strategy is:
Use normal planned spending to reach the requirement.
Do Not Apply for Too Many Cards at Once
A formal credit-card application can generally result in a hard inquiry.
A large number of applications within a short period may affect your credit profile and bank underwriting decisions.
Different banks also use different internal approval policies.
When you are still building credit:
There is usually no reason to apply for five cards on the same day.
Pre-Approval Is Different from a Full Application
Many issuers now provide tools such as:
Check My Eligibility
See if I’m Pre-Approved
Some Chase and Capital One pages allow you to review potential pre-approved or eligibility offers and indicate whether the initial check affects your credit score.
However:
Pre-Approval does not guarantee final approval.
A full application still requires underwriting.
The Most Important Rule: Pay the Statement Balance in Full
This matters more than:
Cash Back
Points
Miles
Welcome Bonuses
The Consumer Financial Protection Bureau explains that when a credit card has a grace period and you do not carry a balance, paying the applicable balance in full by the due date can generally help you avoid purchase interest.
Do Not Rely on Minimum Payments
Imagine your card earns:
3% Cash Back
but you carry a balance at an APR above 20%.
The interest can quickly wipe out all of the rewards.
The ideal credit-card habit is:
Spend only what you can already afford
→
Pay the statement balance in full every month
not:
Spend now
→
Figure out how to repay it later.
Statement Balance vs. Current Balance
Statement Balance:
The amount officially billed when the previous statement cycle closed.
Current Balance:
The statement balance plus newer purchases and other activity after the statement closed.
To preserve a standard purchase grace period, the key requirement is generally to pay the required statement balance in full by the due date under your card’s terms.
Always review your own Cardmember Agreement.
How Should You Set Up AutoPay?
A common setup is:
AutoPay → Statement Balance
Then confirm:
-
The bank account has enough funds
-
The due date is correct
-
AutoPay was actually activated
-
The first payment processed properly
Do not activate AutoPay and then stop reviewing statements.
You should still check:
Transactions
Balance
Payment
every month.
Simple 2026 U.S. Credit Card Recommendations
If you only want the short list:
First Card / New to Credit:
Chase Freedom Rise
No-Annual-Fee Everyday Card:
Chase Freedom Unlimited
Dining + Grocery:
Capital One Savor
Family Grocery Spending:
Amex Blue Cash Preferred
Dining + Grocery Points:
Amex Gold
General Travel:
Chase Sapphire Preferred
Premium Travel:
Capital One Venture X
Premium Chase:
Chase Sapphire Reserve
Luxury Travel:
Amex Platinum
Housing:
Bilt Blue
First-Year Cash Back:
Discover it Cash Back
Which Cards Fit Different Types of People?
Recently Moved to the U.S.
Consider:
Freedom Rise
Student Cards
Secured Cards
The main goal is building credit.
Families
Consider:
Blue Cash Preferred
Capital One Savor
Focus on grocery, gas and dining rewards.
Frequent Restaurant Spending
Consider:
Amex Gold
Savor
Freedom Unlimited
A Few Trips Per Year
Consider:
Chase Sapphire Preferred
Frequent Flyers
Then compare:
Venture X
Sapphire Reserve
Amex Platinum
High Monthly Rent
Consider:
Bilt Blue
Conclusion: The Best U.S. Credit Card in 2026 Is Not Necessarily the Most Expensive One
The U.S. credit-card market offers everything from:
US$0 annual fee cards
to:
US$895 annual fee cards.
Each serves a different type of user.
The easiest way to choose is to answer four questions:
-
How long is my U.S. credit history?
-
What are my biggest monthly spending categories?
-
How often do I travel each year?
-
Will I actually use the card’s credits and benefits?
If you are just starting to build credit:
A US$0 annual fee and long account history may matter more than lounge access.
If your household spends heavily on groceries:
Grocery rewards may matter most.
If you travel frequently:
Then start comparing:
Points
Miles
Transfer Partners
Travel Credits
Airport Lounges
No matter which card you choose, remember one important fact:
Credit-card rewards may be 1%, 3%, 4% or 6%.
Credit-card interest can be far higher.
The strongest long-term strategy is:
Normal spending
+
On-time payments
+
Paying the statement balance in full
+
Building credit history over time
Only after that should you focus on maximizing points and miles.
Disclaimer:
This article is based on publicly available information from Chase, Capital One, American Express, Bilt, Discover and the Consumer Financial Protection Bureau as of August 8, 2026.
It is intended for general credit-card comparison and consumer information and does not constitute individualized financial, credit or investment advice.
Annual fees, welcome offers, reward rates, APRs, credits, approval requirements and product terms may change at any time.
Before applying, review the issuer’s latest Pricing & Terms and Cardmember Agreement.
Approval and credit limits are determined by the issuer based on credit history, income and other underwriting factors.
Sources:
Chase
Capital One
American Express
Bilt Rewards
Discover
Consumer Financial Protection Bureau
Image source: Credit-card issuers’ official websites and official social media accounts.
FAQ
What is a good first credit card after moving to the United States?
You can start by researching Chase Freedom Rise, student credit cards or secured credit cards. The first goal is usually building credit history rather than maximizing luxury benefits.
Does Chase Freedom Rise have an annual fee?
It currently has a US$0 annual fee.
Does Chase Freedom Unlimited have an annual fee?
It currently has a US$0 annual fee and offers 1.5% on general purchases, 3% on dining and drugstores, and 5% through Chase Travel.
Which card offers strong U.S. supermarket rewards?
Blue Cash Preferred currently offers up to 6% at qualifying U.S. supermarkets on up to US$6,000 in annual spending.
Amex Gold currently earns 4X at U.S. supermarkets on up to US$25,000 per year.
Does Walmart count as a grocery store for Capital One Savor?
Not generally for the 3% grocery category. Capital One specifically excludes superstores such as Walmart and Target.
Which no-annual-fee cards are good for dining?
Capital One Savor and Chase Freedom Unlimited both currently offer 3% on dining.
How much is the Chase Sapphire Preferred annual fee?
Currently US$95.
Does Sapphire Preferred earn bonus points on gas in 2026?
Yes. It currently earns 3X at gas stations and on EV charging.
How much is the Capital One Venture X annual fee?
Currently US$395.
Does Venture X include airport lounge access?
Yes. Eligible cardholders can access Capital One Lounges and participating Priority Pass lounges.
How much is the Chase Sapphire Reserve annual fee?
Currently US$795, with an additional fee for authorized users.
How much is the Amex Platinum annual fee?
Currently US$895.
How much is the Amex Gold annual fee?
Currently US$325.
Does Bilt Blue have an annual fee?
Currently US$0. Its key feature is the ability to earn rewards on eligible rent, mortgage and HOA payments through Bilt.
What is special about Discover it Cash Back?
It offers rotating categories with up to 5% cash back after activation, plus 1% on other purchases. Eligible new cardholders currently receive a dollar-for-dollar Cashback Match on first-year rewards.
Is cash back or points better?
Cash back is simpler.
Points and miles may be more useful for people who enjoy learning airline and hotel transfer strategies.
Should I pay my credit card in full every month?
If you want to avoid purchase interest under a standard grace period, paying the full statement balance by the due date is generally the best practice.
Is paying only the minimum payment enough?
It may prevent an account from immediately becoming past due, but carrying a balance can lead to significant interest charges that may outweigh the value of rewards.
Does applying for a credit card affect my credit score?
A formal application may result in a hard inquiry. Some issuers offer pre-approval tools that may allow you to check potential offers before submitting a full application.
Can I apply for many credit cards at once?
You technically can submit multiple applications, but many applications in a short period may affect your credit profile and issuer approval decisions.
What is the best credit card in the United States?
There is no single best card for everyone. The best option depends on your credit history, spending categories, travel frequency and willingness to pay an annual fee.
