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The problem is that while FP calls it an annual fee they bill monthly. There's no anniversary fee to wait for. This OP is paying $12.00 monthly to keep these two low limit cards.
I believe FP has both an "Account Maintenence" fee, as well as the annual fee. As evidenced by the dates he gave for the AF
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |