Every year, you call that number on the back of your credit card, fumble with the answering machine’s 1,000 options and then finally after lots of hair-pulling frustration get to speak to a real human being in order to request a fee waiver. Rinse and repeat for ALL your cards.

The credit cards below either don’t charge an annual fee or offer long annual fee waivers of at least 3 years, thereby saving you from a lot of angst.