Do annual fees matter more than interest when comparing credit cards?

For anyone who always pays off the full balance on time, the annual fee matters most, since you'll never pay interest thanks to the interest-free period (for example, 21 days with the Visa World Card). For anyone who occasionally carries a balance, the interest rate — which can run up to an effective 20-25% per year — weighs far more heavily than a few euros' difference in annual fee.

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