Annual fee winner

Capital One Venture X Rewards Credit Card
The Capital One Venture X charges an annual fee of $395 (See rates and Fees), which compares favorably against the Chase Sapphire Reserve’s $795 annual fee and the $695 annual fee the Amex Platinum charges.
Furthermore, Venture X allows you to add authorized users at no additional cost, while the other two cards charge a fee for authorized users. You still have to pay if you want your authorized users to have lounge access, though.
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