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Although acclaim agenda absorption ante are rising, not all the anniversary about artificial is bad. That’s because some credit agenda fees are dematerialization — decidedly adopted transaction fees.

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In 2015, 77 out of 100 cards answerable these fees, 3 percent to 5 percent nicks that hit your anniversary anniversary time you use a agenda to buy article alfresco of the U.S. But aloof 52 cards still allegation these fees today, said Ted Rossman, analyst with CreditCards.com, which conducts anniversary acclaim agenda fee research.

“Credit agenda companies are aggressive for flush travelers,” said Rossman. “Not alone are issuers eliminating these fees, added of the new cards advancing out don’t accept them.”

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However, acclaim agenda absorption ante accept risen acutely over the accomplished year, jumping to 17.01 percent on boilerplate from 16.15 percent a year ago and from 15.2 percent in 2016. 

Still, consumers who comedy their cards appropriate don’t allegation to pay a cent to use artificial in this environment, Rossman said. Absorption is adjourned alone on accounts that aren’t repaid in abounding anniversary ages and aloof 38 percent of Americans abatement into this category. The majority use their acclaim cards for transactional convenience, but consistently pay off the balance. These individuals never pay interest, so they don’t allegation to be anxious about ascent rates. 

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And best of the frequently levied acclaim agenda fees are calmly avoided. Some 98 percent of issuers, for instance, allegation late-payment fees, fees for banknote advances and antithesis transfers.

“The hardest fee to abstain is the anniversary fee, but that’s alone answerable by 25 percent of the issuers,” said Rossman. 

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Other allegation from the CreditCards.com’s research:

One agenda — PenFed’s Promise Visa — accuse no fees at all — not alike for backward payments.

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On the added end of the spectrum is First Premier Bank’s acclaim card, which is marketed to poor acclaim risks. It levies 12 altered fees, abounding of which are absurd to avoid, said Rossman. For instance, one of First Premier’s cards accuse a ancient “program fee” of $95 to set up the account, additional a $75 anniversary fee and a $6.25 annual fee.

Why would anyone get that card? Perhaps to authorize or reestablish credit, Rossman suggested. However, a advanced arrangement of alleged “secured” cards, which crave the customer to drop a set bulk in a coffer anniversary to defended their repayment, action abundant bigger deals.

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Other fee-heavy cards:

Barclays Arrival Premier World Elite Mastercard; Carnival World Mastercard, additionally issued by Barclays; Platinum Delta SkyMiles Acclaim Agenda from American Express; Starwood Preferred Guest Acclaim Agenda from American Express; Gold Delta SkyMiles and SunTrust Specialty Business card, all of which burden as abounding as nine altered fees.

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Besides PenFed, Capital One is the issuer that accuse the atomic abeyant fees, according to CreditCards.com. Five of the bank’s acclaim cards accept alone two fees — for backward acquittal and banknote advances. Notably, one of these cards, Capital One’s Platinum card, is ideal for architecture credit, and it comes at a far lower amount than First Premier’s.

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