 TITLE: 4 Types of Cards Everyone Should Have in Their Wallet CONTENT: No Annual Fee Cards\n-------------------\nThere are many different credit cards that don't carry an annual fee, and you should probably be carrying at least one of them. The great benefit to these cards is you can hold on to them for years without worrying about getting enough value to make up for a yearly charge.\nA credit card that has no annual fee can be key to building and maintaining a good credit history: The length of your credit history, including the age of your oldest account, is one of the five factors that help determine your FICO® Score☉ . In addition, keeping an annual fee card will give you more available credit, which can also help credit scores if you manage the card wisely and keep balances low.\nWithin the category of cards with no annual fee, you can choose a card based on your preferences. Maybe you choose a card that offers cash back, points or miles, or you opt for one with a low introductory or ongoing APR. Whatever you decide, the idea is to get a good card you can hold on to for the long haul. END