February 4, 2023

Do Credit Card Annual Fees Count Toward Welcome Bonus Spending Requirements?

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Last Updated on December 15, 2022 by David

Post is updated frequently with new information

The simple answer is no. Credit card fees do not count toward your spending limit. In addition to the credit card annual fees, balance transfers, cash advances, travelers checks, gift cards, money orders, wire transfers or similar cash-like transactions usually do not count toward your annual spending limit.

American Express Platinum

Eligible purchases do NOT include: fees or interest charges; purchases of travelers checks; purchases or reloading of prepaid cards; purchases of gift cards; person-to-person payments; or purchases of other cash equivalents.

Chase Reserve

(“Purchases” do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.)

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David

Just trying to find that balance between work and personal life. See it all and do it all without breaking the bank and sharing everything I learn so people don't have to make the same mistakes.

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