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Browse credit cards from a variety of issuers to see if there's a better card for you.
$95 chase sapphire preferred
$450 citi prestige
$450 united club
$35 cap one quicksilver
1. Amex Gold $160
2. Hyatt $75 - on chopping block
3. MileagePlus Explorer $95
Total AF = $330
$0 -- I closed out my last remaining card with an AF earlier this year. Originally about 1-2 years ago, I had 3 cards with AFs: Cap1 NHM MC ($59); FNBO Maximum Rewards VISA ($59) and BoA Platinum Plus VISA ($59). Cap1 EO permanently waived the AF on my Cap1 card, BoA Platinum Plus card was PC'd to a BoA Travel Rewards VS and the AF eliminated after the PC. Since FNBO wouldn't budge on removing the AF on their card, I transferred my CL on it to my other 2 cards with FNBO, and closed out the Maximum Rewards card. By eliminating the 3 AFs, I am saving $177 a year, so I'm happy lol