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Annual fee calendar

Know which annual fee is coming next.

Add each card's fee and the month it posts. You get a 12-month calendar, the yearly total, and how many days until the next one.

Annual fee calendar

Example, replace with your card
$
Total annual fees, per year
$150

Next up: Delta SkyMiles Gold, $150 on March 14, in 142 days.

Oct
    Nov
      Dec
        Jan
          Feb
            Mar$150
            • 14 · Delta SkyMiles Gold
            Apr
              May
                Jun
                  Jul
                    Aug
                      Sep

                        When a fee is coming up

                        • Ask for a retention offer. Call before or right after the fee posts and ask what they can do to keep you.
                        • Downgrade to a no-fee card. Same issuer, no annual fee, and the account history stays.
                        • Cancel within the refund window. Often about 30 days after the fee posts. Policies vary by issuer.

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                        Track this in Cardinate free.

                        Add your cards once and keep every annual fee, balance and due date in one place.

                        Calculations are estimates for educational purposes only and do not constitute financial advice. Actual payoff timelines, interest charges, and credit outcomes may vary.

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                        FAQ

                        Frequently asked questions

                        Usually on or near your card's account anniversary, the month you opened it. The fee shows up on that month's statement.

                        Often, if you cancel or downgrade soon after it posts, commonly within about 30 days. The window and the rules vary by issuer, so check with yours.

                        Ask the issuer to downgrade you to a no-fee card from the same issuer, or ask for a retention offer.