This grocery credit card earns big back at U.S. supermarkets, includes a generous welcome offer, and packs big value even with an annual fee.

Many credit cards reward your spending, but cash-back cards do so in the simplest possible way: For every dollar you spend, you earn a percentage back as cash. It’s easy to redeem the cash back you’ve ...

The first step, consumer finance experts say, is to ask your card issuer to reduce the rate. And with average balances now $6,500, consider using your tax refund to put a dent in the debt.