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Some examples:

Racking up rewards for usingyour credit card may seem like asweet deal, until you factor in theannual fee you're paying for theprivilege. Shop around for a cardthat offers rewards without chargingan annual fee. Check out BankRate(www.bankrate.com) for the bestdeals. Amtrak'sGuest Rewards MasterCard (800-932-2775) gives you a frequent-travelpoint for each dollar youspend. You can trade in the pointsfor train tickets or air miles onContinental and United. With theAmerican Express Delta Sky MilesOptions card (800-223-2670), youearn 1 Delta air mile for every $2you spend with the card.