Credit: Image by Steve Buissinne from Pixabay. Annual fees vs. no annual fees credit cards A Q&A with certified financial planner Dr. James Philpot. May 30, 2022 by Strategic CommunicationWhy do some credits cards have annual fees and others don’t? Which type should you get? Dr. James Philpot, certified financial planner and associate professor of finance and general business at Missouri State University, offers some insights to WalletHub.