Understanding annual fee tracking

How Annual Fees Are Calculated

My10x automatically calculates your total annual fees based on:

• All open cards in your wallet
• All cards that aren't hidden cards (Hidden cards aren't counted, even if open)
• Both personal and business cards
• Authorized user cards (if fees apply)

Why Your Total Might Seem Wrong

Hidden Cards Aren't Counted

Hidden cards don't count toward annual fee total. 

Authorized User Fees

Some AU cards have fees:

• Check if you pay AU fees
• Use override if you don't pay
• Common with premium cards

Waived Fees Not Reflected

Special circumstances:

• Military fee waivers
• First year free
• Retention offers
• Special relationships

Using Annual Fee Override

When to Override

• Military members (SCRA benefits)
• Negotiated lower fees
• First year waived
• Authorized users not paying

How to Override

1. Click three dots (⋮) on card
2. Select Edit
3. Check Override annual fee
4. Enter your actual fee
5. Save changes

Annual Fee Management

Tracking Renewal Dates

My10x tracks when fees will hit:

• Based on account open date
• Email reminders sent
• Time to evaluate card value

Evaluating Card Value

Before renewal, consider:

• Benefits used vs fee paid
• Downgrade options
• Retention offer eligibility
• Overall portfolio strategy

Common Annual Fee Scenarios

Premium Travel Cards

• High fees but valuable benefits
• Calculate credit usage
• Consider keeper vs churner

Multiple Cards Same Issuer

• May qualify for fee discounts
• Bundle benefits
• Strategic downgrade options

Business Cards

• May be tax deductible
• Employee card fees
• Higher fees but more benefits

Best Practices

• Review fees quarterly
• Set calendar reminders
• Track benefit usage
• Negotiate at renewal
• Consider product changes

Fee Optimization Strategies

• Downgrade before renewal
• Use benefits to offset fees
• Stack cards strategically
• Time applications around fees