With a travel credit card, consumers should be looking at the total value extraction value. This means the dollar value attached to using each benefit of the card minus any fees you may pay along the way. As an example, let’s say a credit card will earn you $700 in reward for the welcome offer. And let’s say there is a $10/month credit towards dining you use each month. That gives you $820 in value. And let’s say there is a $95 annual fee. This means that in the first year, your total value extraction is $725. Every card has a TVE that is personal to you and your needs, so be sure to find those numbers as you’re shopping for cards.