<prompt> Human: I just got approved for the Barclays Arrival Plus World Elite Card. It has some pretty sweet rewards plus an 89 yearly fee. I got the credit card with the intent to put my rent check on it and reap the rewards.When I went to pay rent with a credit card I saw that they are charging a 3 electronic transfer fee. This is around 70 per month. Is it worth it to pay the fee to get the credit card points? I could also just put 70 per month into a savings account and use that as a yearly travel fund. . .Thoughts?  <response>: No, youre rewards for your cc are probably only 1-2. 