Which AMEX should I keep?

[ccpat]

Is the AF negotiable for the Gold card? ....or can it be lowered?

[kdm31091]

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@ccpat wrote:

Is the AF negotiable for the Gold card? ....or can it be lowered?

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It's not negotiable, the fee is what it is. You can offset by using the various credits, but it cannot actually be lowered.

[HeavenOhio]

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@Anonymous wrote:

I would keep the BCP for 6% on groceries, get a ED or plain Blue to keep your MR's in, kill the Gold, and then pick up an Uber for 4% Dining....this saves you $250/yr.

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If the OP wants to go this route, I'd suggest hanging onto the BCP (or a no-fee downgrade) long enough to be able to transfer most of its limit to the ED.

[MrDisco99]

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@ccpat wrote:

Is the AF negotiable for the Gold card? ....or can it be lowered?

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Last year I called and got a retention offer which helped offset the fee.  I still had to pay the full $195 (at that time) but I got 10K points for spending $1500 I was going to spend anyway.