The credit card fees are baked in. You pay for them anyway, might as well get a credit card with rewards to get something back. It's like saying that there's no reason to use coupons because the store makes money anyway!

There's also no reason to get a card with a monthly fee. Bad financial advice is another form of poor tax. I know people mean well, but if you want finance tips, look at what rich people do. They fucking use credit cards and pay them off so that they can get that cash back!