waive amex annual fee smart ways to save on credit card costs

Credit card fees can sneak up on you, especially with premium cards like American Express. That annual fee? It feels like a necessary evil for the perks, but what if you could wipe it clean? I\it\it\the fee. Just crunch the numbers; sometimes, transferring points to airline partners yields more value than the fee itself. But tread carefully—don\after a chat with support, they shifted me to a basic Blue card with zero annual fee. You lose some lounge access or higher rewards rates, but if you\their customer service and fraud protection are top-notch. Ultimately, saving on fees boils down to proactive habits. Track your spending, review statements monthly, and don\t shy from asking. It\s your money, after all—make it work for you.