But the PenFed Pathfinder® Rewards Visa Signature® Card can be an exception. Despite its sticker price — a $95 annual fee — PenFed will waive that cost if you meet eligibility requirements.

Earning 5% back at both Amazon (which basically sells everything) and Whole Foods is unbeatable, but you can't get this card without an Amazon Prime membership. Many or all of the products on this ...