american express rewards

How I Turned $75 Into $450

In 20 years of credit card use, I'd never paid an annual fee. It was a hard and fast rule, like paying my bills on time and never carrying a balance. But a month ago, I got an offer I couldn't refuse: 6% cash back on groceries, and 3% on gas. The catch: This upgrade would carry a $75 annual fee.

3 Ways to Get More Back From Your Plastic

Credit cards can destroy your financial life, if you're not careful. But choose the right one -- a card that fits with how you spend your money and what you like as a reward -- pay your balance in full each month, and you can turn ordinary, necessary expenditures into real life-enhancers.