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9. Credit cards with points or miles programs
9. 有積分或里程獎勵計劃的信用卡
Card issuers have been ramping up some of their rewards programs in the past few years, but consumers should steer clear of one common promotion: credit cards with rewards programs that are comprised of points or miles.
過去幾年，信用卡發(fā)行商在加大部分獎勵計劃的力度，但消費者應該規(guī)避一種常見的促銷計劃：即由積分或里程構成的信用卡獎勵計劃。
Many card issuers are devaluing their rewards programs by requiring cardholders to spend more in order to get the same 'free award' they could have gotten previously with fewer points. What's more, many of these cards come with annual fees, ranging from $30 to $75.
許多信用卡發(fā)行商使獎勵計劃大打折扣， 他們要求持卡人花更多的錢才能獲得之前用較少的點數(shù)就能換得的相同“免費獎勵”。此外，這些信用卡有許多會收取年費，年費在30到75美元之間。
Instead, consider a credit card with a 'cash-back' program - a rewards program that's a lot more straightforward: consumers get 1% to 5% cash back per a certain number of dollars they swipe on their card.
消費者應該考慮帶有“返現(xiàn)”計劃的信用卡――這種獎勵計劃要直接得多：消費者刷卡每滿一定金額，就能獲得1%到5%的現(xiàn)金返還。
