Most people don't like the idea of carrying debt and some will avoid credit cards all together over concerns relating to it. That said, some cards offer some great rewards such as 2% cashback, travel perks, insurance, and so fourth. Then there are cards that take it a step further, but require an annual fee of $xx. What are your thoughts on credit cards that charge annual fees? Do you have any? Speaking for myself, I was dead set against annual fees until I started travelling more. Now, I get as much as 4% cashback on gas/groceries towards my travel expenses. In addition, my family and I get 15 days medical insurance whenever we travel -- a savings that really adds up.