<prompt> Human: Im looking to get a second credit card and dont know what to think about annual fees. I pay my current card balance in full each month and have good credit, but Im worried than an annual fee would make me spend more to feel like I got my moneys worth on the card. Any thoughts or experience with this? Are annual fees worth it?  <response>: Only if you can get a higher value than the annual fee. Each card will tell you benefits and you would base your evaluation off that. 