Clark has talked in the past about a credit card that helps save money for college. It was offered by Fidelity Investments and it paid 2 percent of all your charge volume into a college savings plan. Well, that program is no longer available to people other than those who already have the card. Now, the company has reduced the benefit to 1.5 percent. And there is now a cap on how much you can earn each year for your child’s education. This is a sign of the times. Credit card companies are reducing benefits and rewards more often these days. Or, for some specific charges, you don’t get rewards. So, it may be time to find a better card. That doesn’t mean you should close the accounts you have. Keeping them open helps your credit score. Just don’t use that card anymore. On another note, Fidelity has a new Visa card that gives you 1.5 percent back into a Fidelity investment account. There is no limit on earning power. Capital One has a card that earns you 1 percent each month, plus an additional. .25 percent at the end of the year. Of course, that could change too. Always keep your options open.