Credit card rewards are often a great way to maximize the bang for your buck, but they may not be the best incentive for signing up for a new card. Yes, sign-up bonuses can often cut the cost of airfare and accommodations, but if you’re putting yourself into greater debt just to accrue points, miles, or discounts, the cons far outweigh the pro.

Check out this video for the top five questions you should ask yourself if you’re planning on cashing in on that sign-up bonus for a new credit card. Knowing when and how to use a travel credit card could save you a major headache in the future.

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