If you spend eight times with a credit card in a year, you can get rid of the annual fee for the next year, no matter how much it costs.

This is a preferential policy for credit cards. Different credit cards have different consumption times and amount requirements.

For example, in April 2023 1, I successfully applied for a credit card free of annual fee for the first year until March 3, 20241. The billing date of this card is 10 day per month. If the credit card is activated on May 1 2023, the first billing date is May 10 2023, so there is no annual fee. If the credit card is activated on March 15, 2024, the first billing date is April 10, 2024, which exceeds the annual fee exemption date, so the annual fee will be charged on April 10, 2024.