As with all rewards credit cards, all four of these accounts come with APRs somewhat higher than those of their no-frills counterparts. Paying the full amount each billing cycle will prevent your rewards and savings from being eaten up by interest charges. If you're budgeting wisely and spending within your means, your cash rebates and instant discounts should more than make up for any annual fees. Review each card's list of promotional partners, since a card with a lower overall rebate may offer a deeper discount at one of your favorite stores. Finally, remember to maximize your rewards by using your new card for many of your routine purchases, like grocery bills and utility payments. Every penny you save lets you spread even more joy this holiday season.

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