Don’t cancel credit cards with an annual fee. Downgrade them instead

You don’t have to close a credit card account to avoid paying an annual fee. Downgrading your card to one that doesn’t charge ...
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Credit Card Annual Fees Are Going Up—Are They Still Worth It?

Credit card issuers are raising the annual fees on their premium products, to the tune of hundreds of dollars. Chase, most notably, upped the yearly charge for its popular Sapphire Reserve from $550 ...

When Should You Pay a Surcharge for Using a Credit Card?

Businesses may ask you to pay credit card surcharges, also known as checkout fees, when you pay with a credit card. These fees make credit card purchases more costly, even if it' ...

A Simple 3-Card Setup for Maximizing Points in 2026

Earn 2% to 5% cash back on everyday purchases with this no-annual-fee three-card combo. See how to simplify and maximize rewards in 2026.
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Credit Card Annual Fees Are Going Up—Are They Still Worth It?

Jeanine Skowronski is an editor, writer, and journalist with more than 15 years of experience in personal finance and business, including roles at Bankrate, CreditCards.com, and Policygenius. Her work ...