This Nov. 18, 2009, file photo, shows credit and bank cards with electronic chips in Gelsenkirchen, Germany. Are you getting the most out of your credit cards? It’s easy to keep using the same plastic, but fees and benefits change all the time. Investigate all the benefits each card offers, since you may have forgotten some and some may have been added. Then total up other monetary benefits — such as cash back — that you gained over the past year and compare that to the annual fee. (AP Photo/Martin Meissner, File)
