 TITLE: Is It Worth Paying an Annual Fee for a Credit Card? CONTENT: Why Do Credit Card Issuers Charge Annual Fees?\n----------------------------------------------\nCompanies may charge an annual fee for certain cards that provide generous cardholder benefits, like travel credits, exclusive rewards opportunities or free checked luggage on flights. You generally pay more per year for the cards that come with the most perks.\nAnother time a credit card may have an annual fee is if it's geared to borrowers with fair or poor credit. Interest rates for these types of cards may also be high. The good news is that after building credit with the card you may be able to qualify for a card that has a lower fee (or none at all) and a better interest rate. END