Annual fees for the primary card can be anything from $0 to $500 or more, although cards with a shopping focus tend to stay in the lower price range. Some cards charge an additional fee for a supplementary card for a family member. The higher the fee you are prepared to pay, the greater the potential benefits are for affluent spenders. Cards charging an annual fee will often have the possibility of a fee waiver in return for reaching a specified annual card expenditure (e.g. $12,500). Bear in mind that there are other possible costs associated with a credit card, such as foreign currency transaction fees, late payment fees, card replacement fees, and interest charges if you do not pay off your account balance on time.