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We take pride in being your money coach and we regularly preach about the dangers of running up a high-interest balance on your credit cards.

But use your card wisely, with disciplined payments and the right rewards program and you are sure to come out ahead.

Statement credits will be issued monthly for Rewards earned on purchases posted within that month.The rewards program gives one point for every purchase and five points for airfare purchases, and cardholders can redeem points for flights, hotels, resorts, tickets to exclusive events and more.The card also provides Travel Privileges brought to you by American Express, so it’s the closest you can get to the Am Ex Black Card’s famous luxury travel perks without the hefty annual fee.But paying extra for your plastic is an unnecessary cost for most consumers, especially when there are outstanding no annual fee cards that offer great rewards and card perks.If you’re in the market for a new credit card, consider a card that provides valuable extras costing extra.