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Tony Mecia writes the "Cashing In" column for Credit Cards.com, answering a question every week about credit card rewards. In addition to writing "Cashing In" columns and articles for Credit Cards.com, Mecia writes for a variety of trade and general-interest publications and companies. -- Before you get taken in by a great sign-up bonus, make sure you know what reward structure is best. (See Transferring points)5 steps for finding the right rewards card -- There are a lot of offers on the market, but only some worth seriously considering ...

Mecia is a freelance business writer based in Charlotte, North Carolina. )When you can and can't transfer points -- If you have points across various loyalty programs, there are few options to transfer ...

(See Rewards)Are there Whole Foods perks with my Amazon credit card?

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(See Reaping your Rewards)Q&A: Options for avoiding foreign transaction fees -- If you plan to travel internationally, you shouldn't be paying the 3 percent foreign transaction fee.

There are now plenty of cards with no annual fee and no foreign transaction fee you can sign up for ...

(See Big hotel card sign-up bonuses)Airline cards get you free checked bags, with exceptions -- Airline credit cards will likely get you free checked bags, but there are limits and exceptions. (See Airline cards with free checked bags)Do the math to compare reward points' values -- When weighing reward redemption possibilities, this simple calculation will help you derive relative points values. (See How to compare rewards options)If you're new to rewards cards, start slowly -- What's your goal?

Weigh sign-up bonus, annual fee, rewards complexity ...

As a reporter and editor with the Charlotte Observer, he won "Best in Business" awards from the Society of American Business Editors and Writers for his coverage of the airline and textile industries. (See Finding the right rewards cards)Best reward cards for paying monthly bills -- If you're putting hundreds of dollars a month on a credit card for your monthly bills, make sure you're using the best reward cards ...