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Annual Card Fee Audit Checklist

Is each card still worth its fee? A 2-page checklist from the book The Reward Architect. Fill it in about 60 days before your fee posts.

• Add up the credits and perks you actually used this year
• Compare real value against the annual fee, card by card
• Decide: keep, ask for a retention offer, or downgrade

No affiliate deals with card issuers. Never connects to your bank.
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