Credit Card Tips - Do you need those rewards

There is no doubt that annual fees for credit cards are increasing – and the highest fees are on the cards with a rewards program. Currently there has also been a trend to reduce the amount of rewards points that are being offered meaning that you are paying more to be part of a reward program. Make sure you are not paying for a reward program that you don't want and a card without reward program that does not have a annual fee might be a better option. If you do want the rewards always make sure that the awards points you earn each year are worth more than the annual fee you are paying for the card.