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I find that there tend to be three types of travel rewards credit card users. Some just refuse to pay any annual fees, while others are willing to pay over $400 a year for a top-of-the-line card with all the perks and benefits that come with it.

In the middle are those looking for mid-range cards that offer strong value at a reasonable price. The credit card industry knows this, and has been intensifying its competition at price points just below $100 per year, with $95 and $99 emerging as magic numbers. So in this post, I want to take a look at just how much you can get for that price.

The best credit cards with annual fees under $100:

1. Chase Sapphire Preferred

Annual Fee: $95

You could argue that this is the card that really ignited the sub-$100 market segment when it started offering 2x points on all travel and dining charges. Sapphire Preferred consistently makes any list of top travel rewards cards, which is no surprise given that you can get great value out of Ultimate Rewards points by transferring to any of nine airline programs, and four hotel programs. There’s a $95 annual fee for this card and there are no foreign transaction fees.

2. Capital One Venture Rewards Credit Card

Annual Fee: $0 the first year, then $95

This card offers double miles on all purchases, and each mile is worth 1 cent as statement credits toward travel expense. The Venture Rewards Card has a $95 annual fee which is waived the first year, and no foreign transaction fees. Also keep in mind that you’ll earn 10x miles on Hotels.com bookings when you book through Hotels.com/Venture and pay with your Venture card — effectively getting you a 10% return on spending, before you factor in the one free night for every 10 paid nights you book through Hotels.com

3. Ink Business Preferred Credit Card

Annual Fee: $95

This small business card offers you 3x Ultimate Rewards points on up to $150,000 spent each account anniversary year in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines, and one point per dollar spent elsewhere.

And like with the Sapphire Preferred, you can transfer your rewards to nine frequent flyer programs and four hotel programs. This card comes with plenty of travel insurance and purchase protection policies, including a cell phone protection plan. There’s a $95 annual fee for this card, and no foreign transaction fees.

4. Citi / AAdvantage Platinum Select World Elite Mastercard

Annual Fee: $0 the first year, then $99

This card instantly offers you many of the perks of elite status. You get preferred boarding and a free checked bag for yourself and up to four companions on the same itinerary. There’s also a business version that features 2x miles at telecommunications merchants and on car rentals. Both versions of the card get you access to reduced mileage awards, and offer a 25% savings on in-flight purchases.

5. Citi Premier Card

Annual Fee: $95

Citi’s mid-range travel rewards card offers 3x points on travel including gas, and it uses a very expansive criteria for awarding these bonuses. You also earn 2x rewards for dining and entertainment purchases, and you can transfer ThankYou points to 15 airlines plus the Sears Shop Your Way rewards program. As with many of its competitors, there’s a $95 annual fee for this card and no foreign transaction fees.

6. Marriott Bonvoy Boundless Credit Card

Annual Fee: $95

This card comes automatic Silver elite status, 15 elite qualifying nights each year and a free night certificate on each account anniversary that is valid at any Marriott property costing 35,000 points or less. You’ll earn 6 Marriott points per dollar spent at Marriott properties, and 2 Marriott points per dollar spent everywhere else. Marriott points are easy to redeem for both hotel awards and transfers to airline partners. Plus, when you redeem four free nights at a Marriott property, you get a fifth night free.

7. United Explorer Card

Annual Fee: $0 the first year, then $95

This airline card’s biggest accomplishment is making flying without elite status somewhat tolerable. You get priority boarding privileges, two United Club passes per year and a free checked bag for you and one traveling companion (only when you use your card to purchase your ticket). Better yet, an exclusive benefit allows you to use your miles to book an award on any unsold seat, albeit at the standard award level. In addition, cardholders receive greater access to economy class award space, which can be a huge plus. The card recently added some new benefits: 2x miles on dining and hotels (in addition to the standard 2x on United purchases), a Global Entry/TSA application fee credit and 25% off in-flight purchases.

Be sure to consider the United MileagePlus Explorer Business Card as well; it offers 2x miles at restaurants, gas stations and office-supply stores. Both cards have a $95 annual fee (which is waived the first year for the business card) and no foreign transaction fees.

8. Amex EveryDay® Preferred Credit Card from American Express

Annual Fee: $95

The EveryDay Preferred offers 3x Membership Rewards points at US supermarkets (on up to $6,000 spent annually; then 1x), 2x points at US gas stations and 1 point per dollar on everything else. Those bonus categories are already respectable; however, if you make at least 30 transactions during your monthly billing cycle, you get a 50% points bonus, which allows you to earn 4.5x, 3x and 1.5x, respectively. Membership Rewards points can be transferred to 16 different airline programs and three hotel programs. There’s a $95 annual fee for this card, and sadly Amex still imposes a 2.7 % foreign transaction fee for this card.

9. AAdvantage Aviator Red World Elite Mastercard

Annual Fee: $95

American partners with both Citi and Barclays, and this card from the latter issuer is also compelling. You earn 2x miles on all American Airlines purchases and 1 mile per dollar elsewhere. But you also get credit for $3,000 in Elite Qualifying Dollars when you spend $25,000 in a calendar year. Other perks include preferred boarding, a 25% savings on in-flight food and beverages and a free checked bag. There’s a $95 annual fee for this card, and no foreign transaction fees.

10. Wyndham Rewards Visa Signature Card

Annual Fee: $75

Wyndham might not be the first name that comes to mind when you think of travel rewards, but hear me out. This card offers 5x points at all Wyndham properties, 2x points for gas, utility and grocery purchases and 1 point per dollar spent elsewhere. But when it comes time to redeem your points, all properties are just 15,000 points per night.

Sure, the Wyndham portfolio includes many budget hotels and motels, but you can also redeem your points for a few luxury hotels in major cities. But if you want to get exceptional value, then you can choose from thousands of units from the Wyndham Vacation Rentals collections. You can redeem award nights in these condos and homes for 15,000 points per bedroom, per night. This card offers you Platinum status in the Wyndham Rewards program and 6,000 bonus points each year on your account anniversary. There’s a $75 annual fee for this card, and no foreign transaction fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.