Well, there's no perfect reward card. Choice between 20 days grace period and annual fee (usually $50 or over), I'll take first. Sorry, I NOT dropping the card because of it.

If you look at most of rewards card (if not all), they all have major draw backs like high interest rate, high cash advance fee, or/and high annual fee. Credit card issuers try to take advance of those who doesn't manage their credit card carefully.

Reward credit card can be good deals for folk who manage their accounts well. For those who don't, they are better off getting credit cards with low rate, low/no fee, and longer grace period.



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