Trea BranchContributor for The Simple Dollar
Trea S. Branch is a personal finance writer and coach dedicated to helping women get out of 6-figure debt fast. Having paid off $180,000 in just 3 years, she now shares practical debt-free tips and resources at GirlBreakFree.com. When she's not working, you'll find her being the best wife and mommy she can be to her husband and two kids in Chicago.
The Citi Rewards+ Card is a one-of-its-kind card that offers big points on small, everyday purchases.
Credit card fees can unknowingly negate many of the benefits of using credit cards — like building credit. For effective…