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Depending on your needs and spending habits, some cards are indeed sometimes better than others.

But the flip-side is also true: Some cards are worse than others.

files, this card also charges 5 a year for the privilege of carrying it.

The benefits it touts, like no foreign transaction fees and accelerated rewards on gas and groceries, can be found on plenty of other cards that don’t cost nearly as much.

The interest rate is high, too: Depending on your credit, the APR is either 25.24% or 27.99%, and the default rate is 29.99%.

UBS Preferred Visa Signature Credit Card: Another one in the what-am-I-paying-for-anyway?

And while we’ve seen many penalty interest rates that hover near the 30% mark, the Visa Black takes it over that threshold, with a default rate of 30.24%.

The current APR on this Visa card, which is issued by Barclays, is a variable 22.99%, even if you have stellar credit.

Like the Visa Black card (also issued by Barclays), the penalty rate on this card is a whopping 30.24%.

The Best Buy card is one of these, says Curtis Arnold, founder and CEO of Card

The rewards program is decent, he says, but the credit card is another story.

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