You don’t need to pay high annual fees and master spreadsheets to earn a ton of points from cards. These combos are easy to ...

You don’t have to close a credit card account to avoid paying an annual fee. Downgrading your card to one that doesn’t charge is better. Here’s how to do it.

Since I write about points, miles and credit cards, the topic of annual fees often comes up with friends and family. I've been surprised to hear how many people avoid — and, in some cases, completely ...