Until a couple of years ago, Bobby Hoyt avoided credit cards with annual fees. Not anymore. These days, he carries a small-business card with an annual fee of $175, which is waived the first year. For ...

Credit cards marketed as “lifetime free” often sound like a convenient deal – no joining fee, no annual fee, and access to rewards. But many users discover later that the card isn’t entirely cost-free ...

In the world of personal finance, people often chase the word "free" — free advice, free credit cards, zero-cost EMIs, no-cost buy-now-pay-later offers, free app trials, and even free-for-life ...