None of my current credit cards have an annual fee. I'm curious if anyone willingly pays an annual fee to have a certain credit card, because an incentive outweighs the cost of the fee. For example, I just saw an offer for a Marriott credit card. Annual fee is $65 (after the first year which is free). One of the benefits offered is one free night each year. If a person were traveling anyway and would use that free night's stay each year for sure, then $65 would seem to be a fair trade. If other incentives or rewards seemed attractive enough, then maybe the annual fee would be tolerable whereas usually I refuse to pay annual fees. Not saying that I plan to get the Marriott card. Seeing the offer just got me curious. So have any of you tolerated paying an annual fee because the incentives/rewards made it worthwhile?