What is the ruling on dealing with credit cards that impose annual fees and fees for cash withdrawals and online transactions, and is that considered usury (riba)? And what are the ways to deal with credit cards so that they are permissible (halal) and free from usury (riba)?

The ruling on using credit cards is detailed in Fatwa No. 32888. As for the bank taking a percentage in exchange for cash withdrawal from the card, if it represents the actual fee for its services, then there is no harm in it. The body specialized in knowing this is the Shariah Board of the bank, and one may follow its opinion if it is trustworthy in its knowledge and piety. See Fatwa No. 102874.