<prompt> Human: I do not ever carry credit card debt so I was crunching the numbers on a cash back card. The interest rate is 19.9 but I dont plan on ever not paying it off right away and the annual fee is 99. I calculate I should get back North of 1500 annually.My current visa has no annual fee an 15I think interest.It seems like a no brainer to me but I wanted to know of any one has any advice on why not to make the switch. Thanks!  <response>: Which card are you looking at?Edited to add: You shouldnt be comparing the cash back youd get to the annual fee to see if its a good deal. You need to compare the rewards youd get with this card, minus the annual fee, to the rewards youd get with another card or cards with no annual fee. 