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American Express Gold card comes with $250 annual fee as it is loaded with different perks. If you understand that those perks are not main for you, you may choose credit card with lower fee. What is more, you can find credit cards with great rewards on travel and dining.

Take a look at the Citi Premier® Card. It has special travel perks such as concierge services and $0 liability on unauthorized charges. This credit card comes with $95 annual fee. You will earn 3 points on air travel, including at gas stations and hotels, 3 points per dollar spent at restaurants and supermarkets, 1 point per $1 spent on all other purchases. Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Those 60,000 Points are redeemable for up to $600 in airfare on any airline, anytime with no blackout dates or $600 in gift cards when redeemed at

If you need just a card with good rewards on travel, pay your attention to the Discover credit cards. It will let you earn rewards and can be a better overall option. The Discover it Miles allows to earn unlimited 1.5 miles on all purchases. The card does not have a fixed bonus offer but offers a mile-for-mile match, which means all miles you've earned first year will be matched at the end of the first year (only for new cardmembers). The card's redemption value for all airlines is 1 mile = 1 cent so you can easily use the card for travel.