$95 is the going rate for Citi card annual fees. Today two of mine became due. The first was the Hilton Reserve which was promptly closed with no retention offer. That’s fine because I had opened another of which I am eligible for the bonus again. The other was the ThankYou card which serves no purpose since I ultimately decided to keep my Prestige card open.
The good news is that there was the best retention offer given for doing next to nothing: six thousand points for spending $300. On top of that, the agent assured me that these TY points would remain transferable.
All I had to do was downgrade to the no annual fee version. To the option, I said thank you kindly.