Credit cards all have annual fees. Generally, credit cards are free of annual fees in the first year, which means that you do not need to pay an annual fee in the first year. The annual fee for the next year will be waived if you use it 6 times in the first year, which means that you don’t need to pay the annual fee in the second year as long as you use it 6 times. There is no limit on the amount of money spent by card. There are also some high-end credit cards that do not waive annual fees. Please consult the card issuer for details.