Updated August 2026. Free, no signup, nothing leaves your browser.
Annual fees do not arrive together. They land one at a time across the year, and each one has a decision window that closes about a month before it posts. This calendar lays your fees out month by month so you can see what is coming, what it costs, and when you need to make the call.
Mark each card keep, downgrade, or cancel and the annual total updates. Downgrades and cancellations both drop to zero, since a downgrade moves you to a no-fee version of the same account rather than closing it.
How to read the output
The decision date is the number that matters most. It sits roughly 30 days before the fee posts, which is the window where a retention call still has time to work and a downgrade can still be processed before you are charged. Miss it and you are usually arguing for a refund instead of a discount.
The month totals show where your fees cluster. Most people find two or three months carrying the bulk of the year, which is worth knowing before you add another card with a fee that lands in the same month.
The annual total is the number to weigh against what you actually get back. A $2,000 fee year is fine if the credits and redemptions clear it, and a $400 fee year is bad if they do not. Run individual cards through the keep-or-cancel calculator to answer that per card.
Fees shown in the picker are current as of 2026. Issuers change them, and your own renewal date depends on when you opened the account, so confirm both at the issuer.
FAQ
When does a credit card annual fee post?
On the statement that includes your account anniversary, which is usually the month you opened the card. Check a recent statement or your online account to confirm the month.
How long do you have to cancel after an annual fee posts?
Most issuers refund the fee if you close or downgrade within about 30 days of it posting, though terms vary. Acting before it posts is cleaner, which is why the decision date sits 30 days ahead.
Is it better to downgrade or cancel a card?
Downgrading keeps the account open, so you keep the credit history and the available credit. Cancel only when there is no no-fee version to move to.
Does this tool store my card list?
No. Everything runs in your browser and nothing is sent anywhere. Reloading the page clears it.