They all have stupid fees of one kind or another; the trick is figuring out which ones you can easily avoid. The only fee I personally care about is the annual

They all have stupid fees of one kind or another; the trick is figuring out which ones you can easily avoid. The only fee I personally care about is the annual fee, since I never do balance transfers, cash advances, or leave a balance on my card after the end of the month. I get an Amex annual-fee-free via my Costco membership (sadly, soon it will expire when Costco goes to Visa-only), and an annual fee-free Disney rewards Visa through Chase (which will come in handy this fall, when I do another Disney cruise).