If you’re seeking even a few travel upgrades, you’re more than likely going to need a travel credit card. While it’s true that there are plenty of decent no-annual-fee travel credit cards out there, paying for an annual fee can sometimes pay dividends when you calculate the eye-popping value that some travel credit cards deliver. The most premium travel credit cards come with annual fees north of $500, but satisfy cardholders because of perks like upgrades to an airline’s premium class, access to exclusive airport lounges or automatic hotel elite status.

But what about the travelers who don’t necessarily need a $0 annual fee credit card, but don’t want to pay exceptional amounts of money out-of-pocket to cover an annual fee, either?

Here’s how to justify a mid-tier or higher annual fee on a travel credit card, even if you're on a tight budget.

The problem with travel credit cards with annual fees

For better or for worse, premium travel credit cards have a lot in common with coupon books. They promise tantalizing savings, but can be burdensome to track. They offer increasing value with increased use, but may incite more spending than intended. They sucker you into only using certain brands that accept your rewards, even if another airline’s route is more convenient or another hotel is cheaper.

If that’s enough to spike your anxiety, then a credit card with an annual fee likely isn't for you — and that’s OK. After all, the easiest annual fee to justify is $0.

But once you’ve experienced the outsized value of a no-cost travel credit card, you might be ready to upgrade to something with a few more perks — and a higher cost.