I’m choosing my next card to maximize points. Several providers waive the card fee for the first 12 months as part of the offer. If I cancel the card before 12 months, will I still get hit with the fee?
No, you will not get hit for the fee. The fee would be charged to your credit card account on the anniversary of your opening that account. You should always obtain written confirmation of the account closure (to cover yourself) and that confirmation is your record so that you know when you may be eligible for a new sign up bonus 12 or 18 months later 😉