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Q: What do you think of all the credit cards that offer rewards, such as Air Miles, cash-back and purchase-points cards. Are they worth signing up for?

Diana says...
If you are the type who pays off their credit card balance every month, kudos to you—go for it! But keep in mind that many of these reward credit cards come with an annual fee, and if you have a tendency to carry credit card balances or go over the credit limit, the interest charges may eat up any rewards that you have earned.

Diana Cawfield is an award-winning financial writer with more than 10 years experience. Send her your questions here.