HerMoney with Jean Chatzky Premium Credit Cards: Are They Actually Worth the Fee? With Your Rich BFF Vivian Tu
Feb 6, 2026
Vivian Tu, money expert and author who helps people squeeze value from credit cards, walks through premium card fees, picking cards tied to your travel hub, and practical ways to spend points. She covers downgrading vs closing to protect credit and scripts for asking for lower rates. Short, actionable conversations about when a card stops earning its keep.
AI Snips
Chapters
Books
Transcript
Episode notes
Calculate Real Value Of Premium Cards
- Add up the dollar value of every card perk you actually use to see if the annual fee is worth it.
- Downgrade or cancel cards that don't cover their fee through tangible benefits.
Sharpie-On-Chair Was Covered
- Vivian recounts a points expert getting Amex purchase protection for a Sharpie-damaged chair.
- Amex reimbursed the replacement, showing how perks can save real money.
Pare Down Cards You Don't Use
- If you aren't fully using a card's benefits, downgrade or cancel it to avoid wasting fees.
- Aim for 3–5 cards as a practical wallet size.
