EXPECTING TO AVOID ANNUAL FEES FOREVER
Some card issuers will waive a first-year annual fee, but that’s likely it. If the issuer offers fee-free balance transfers or zero percent APR, expect that to be temporary as well. While active military and persistent cardholders may be able to get fees waived, the waivers are fleeting. If you’re able to recoup more in rewards or points than the amount of the fee, that card may earn its keep.