The True Value of Credit Card Perks: Are They Worth It?

November 18, 2025 - 21:06

In a recent discussion, financial experts explored the intricacies of credit card perks and whether the benefits truly justify the costs. Silvur founder Rhian Horga, Lazetta & Associates founder Lazetta Rainey Braxton, and Focus Partners Wealth chief planning officer Jeffrey Levine shared their insights on various credit card options and the potential value of accumulating points.

The panel examined different types of credit cards, highlighting the allure of rewards programs that promise enticing perks such as cash back, travel points, and discounts. However, they also cautioned consumers about the hidden costs associated with many of these cards, including annual fees and interest rates that can negate the benefits of rewards.

Ultimately, the conversation emphasized the importance of understanding personal spending habits and financial goals when choosing a credit card. By doing so, consumers can make informed decisions that maximize their rewards while minimizing costs. The discussion serves as a reminder that while credit card perks can be appealing, they require careful consideration to determine their true worth.