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While airport lounge access is a dream for anyone, I often tell infrequent travelers to save some money by getting a card with a much lower annual fee and paying for lounge day passes as needed.

A credit card's annual fee is a recurring charge billed once a year -- typically either at the time of year when your account was opened or on the last day of the month when you were approved for ...

Cash-back credit cards can be a great way to make money off your normal spending, but if you don't want to pay an annual fee to reap rewards, there are plenty of options without a yearly charge.