Cards can come with plenty of fees, most notably annual fees and foreign transaction fees. Many cash back credit cards don’t charge an annual fee, with key exceptions when it comes to cards with high rewards rates and perks or those designed for people with poor to fair credit.Before you pay an annual fee for a 1.5 percent cash back credit card, make sure you can get enough value in return to justify the card’s cost. This usually means earning enough rewards to offset the costs or getting extra value from any perks or statement credits that it offers.If you plan to use your card for international travel or for purchases online made in a foreign currency, you’ll be better off with a card that doesn’t charge foreign transaction fees. Capital One credit cards never charge foreign transaction fees, for example.Don’t forget to take your card’s annual percentage rates (APRs) into account, either. If you wind up carrying a balance on your card, the purchase APR will determine how much interest you have to pay, so make sure you’re comfortable with the APR range listed on the card application.