Credit cards with rewards and perks are great, but if you are paying $80 or $90 a year to keep the card, are the rewards really worth it? It depends on how much cash back you are getting, but even better are credit cards that have stellar rewards AND no annual fee. This way, you get the rewards without having to pay for them. It’s true, usually the rewards diminish significantly if there is no annual fee for the card, but there are some exceptions.


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