The usual answer for keep vs. cancel regarding annual fees these days is cancel. There are two cards where this rule did not apply. First is Chase Ink. Second is the Amex Business Gold. I use both of them to get 3X points on ads. For me, that’s the best way to accumulate points and more importantly, money. The annual fee of $175, the grandfathered rate, for my Business Gold came due. I called to see if anything could be done about the fee. Usually I ask for points, but since points are useless right now, I asked for them to eliminate the annual fee. Surprisingly, I was offered $100 statement credit. I accepted it and on we go.
I’m happy to refer anyone looking to sign up.
TPOL’s TIP: The new version has an annual fee of $295, but you do get 4X points on ads. Tempting but not worth the cash for me.