The credit card market is very competitive. Card issuers are in heavy competition for your business. As a result, credit card companies are quick to offer perks to win consumers over.

However, not all perks are created equal. In fact, consumers need to take certain steps to ensure those perks don’t turn into expensive financial headaches that cause damage to one’s financial life for years to come.

Managing your credit cards can be time consuming, especially if you are in debt. There are a host of moving parts with credit cards, from the interest rate to the due date and annual fees. It can be easy to stumble and miss a payment or be tempted to take out a cash advance in a pinch.

It’s hard to believe it has already been a year since Chase announced the release of the Chase Sapphire Reserve®. This card and its promotional 100,000-point sign-up bonus sent shockwaves around the travel blogosphere.

For those who signed up for the card or are thinking about getting it, you may be wondering if it’s worth the hefty $450 annual fee. Let’s take a look.

There are so many excellent credit cards with no annual fee that even a moderately-priced annual-fee card can raise brows. So when it comes to ultra-premium cards that cost hundreds of dollars, most people just roll their eyes and walk away. This is often the right thing to do for many people, but if you are a frequent traveler, you might at least want to look into these offers. It might be that these expensive credit cards can actually save you some serious money.

You may have been using a particular credit card for a while, but the time may come when you’re not happy with it anymore. There are potentially many very compelling reasons to get rid of a card, including a reduction of benefits and changes in your own lifestyle and travel habits. Sometimes you simply want to get one that is a better fit for your travel goals. You can check RewardExpert to see if a different card might help you achieve your travel dreams sooner.

Who says you can’t get something for nothing? There are number of travel credit cards with no annual fee, but yet give you miles or points on your purchases. Whether you’re considering adding another card to your collection or getting your first travel rewards card, it’s hard to justify not getting one.

When the average consumer is shopping around for a credit card, their biggest consideration may be how much it will cost them. What’s the APR? Should I choose a no annual fee card? What are the other fees?