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It feels like every time you open the mailbox theres a shiny envelope offering thousands of free miles, zero interest, or bonus cash back just for opening a new credit card. But are any of those rewards actually worth it? Credit cards can be powerful tools, if you use them wisely. You can use credit cards to build credit, pay in a pinch, and, of course, earn rewards. But theres one big caveat: you have to pay your balance in full. Every. Single. Month. Thats how you can avoid paying interest, which is what can make credit cards dangerous. As of November 2019, the average credit card interest rate was more than 17%, so debt can pile up fast when youre carrying a balance month to month. The smart way to use credit cards is to reap the rewards without paying interest. But with all the rewards out there, how do you choose between cards? And how many credit cards are too many? It helps to understand the types of rewards cards offer. Many credit cards offer sign-on bonuses. For example,