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![]() It's also important to make sure you can pay off your balance on time and in full each month, because many of these cards also have high interest rates. Before you sign up for a new card, consider how you'll use it and how you can best optimize the points so you're getting the most out of the rewards program, especially if you're paying a steep annual fee. Where it gets interesting, and confusing, is when you start to look beyond those features. As a result, some features are nearly standard across the board: no foreign transaction fees, travel credits and upgrade programs. In recent years, travel cards have become one of the most competitive categories.
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