13. Avoid cards with annual fees
There are multiple credit cards out there that do not charge annual fees. You can select cards that come with $0 annual fees. However, there are cards that charge annual fees, but their rewards programs are so good that they can actually offset the annual fees. For instance, if a card has an annual fee of $50, but from its annual reward points you can get a free flight ticket worth $500, then the annual fee is worth it. So, see which cards are really worth their annual fee, otherwise avoid them altogether.