Search Results for: Keep Cancel Convert

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Keep, Cancel or Convert? American Express Business Platinum Charge Card ($595 Annual Fee)

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Good afternoon everyone.  As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit (and charge) cards to make sure they still deserve a spot in my wallet.  Last month, the $595 annual fee posted on my American Express Business Platinum Charge Card.  I have read a few recent blog posts about whether to keep or cancel the AMEX Platinum Card (from Frequent Miler and Your Mileage May Vary), so I wanted to share my view on this card. 

First things first, I added my brother as an authorized user so he could access the Centurion Lounges, Escape Lounges, and Priority Pass Lounges (no more restaurants).  He used the card a few times, but he decided that the $300 annual fee was not worth it to him.  My statement closed on December 2, I called AMEX on December 2 or 3, and said I would like to downgrade my brother’s AMEX Business Platinum to a no annual fee AMEX Business Green (which comes with no perks, other than the $100 Global Entry credit).  AMEX processed the downgrade request right away, but did not provide a full refund (I was charged $1.64 for those 2 days).  Seems kind of petty to me, but let’s see if I decided to keep, cancel, or convert my AMEX Business Platinum.

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Keep, Cancel or Convert? Chase Marriott Bonvoy Boundless Credit Card ($95 Annual Fee)

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Discover whether to keep, cancel, or convert your Chase Marriott Bonvoy Boundless Credit Card with a $95 annual fee. Explore its benefits, including a valuable 35K Free Night Certificate, and learn how to maximize your card’s value. Find out about potential fee waivers, retention offers, and alternative card options that might suit your travel needs better. Make an informed decision by understanding the pros and cons of this popular travel card.

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Keep, Cancel or Convert? US Bank Radisson Rewards Business Credit Card ($60 Annual Fee)

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Good morning everyone, I hope you had a great weekend.  As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet (or credit card drawer). For today’s post, I will review my US Bank Radisson Rewards Business Credit Card (no longer available to new cardholders) which just charged me the $60 annual fee.  The only reason I keep this credit card year after year is the 40,000 anniversary Radisson Rewards Points.  I am basically buying 40,000 Radisson Rewards Points for $60, which is 0.15 cents per point (CPP).  I probably value Radisson Rewards Points at 0.4-0.5 CPP, so I have no problem paying the annual fee every year.

Even though I planned on keeping this credit card, I called US Bank to ask if there were any retention offers available.  After reviewing my account, the rep first said she could cut my interest rate in half.  I politely declined that offer and said last year I was offered Radisson Rewards Points to keep the credit card open – was that offer still available?  The rep said yes, but it was only for 2,500 Radisson Rewards Points.  I told her that was better than nothing and accepted the offer.  The rep said I should see the 2,500 Radisson Rewards Points on my next statement.

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Keep, Cancel or Convert? Chase IHG Rewards Premier Credit Card ($89 Annual Fee)

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Discover whether to keep, cancel, or convert the Chase IHG Rewards Premier Credit Card with its $89 annual fee. Explore the benefits like free night certificates and 10x points on IHG stays, and learn about retention offer experiences. Maximize your travel rewards and decide if this card deserves a spot in your wallet.

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Keep, Cancel or Convert? Citi AT&T Access More Credit Card ($95 Annual Fee)

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Good morning everyone.  As part of my “Keep, Cancel or Convert?” series, I like to evaluate and reevaluate credit cards to make sure they still deserve a spot in my wallet (or credit card drawer).  In today’s post, I will share my thoughts regarding my Citi AT&T Access More Credit Card.  I actually have 3 different Citi AT&T Access More Credit Cards, but my decision to keep, cancel, or convert all 3 credit cards is the same.  A few weeks ago, the $95 annual fee posted to my account.  This credit card is no longer available for direct applications, but you can convert from other Citi credit cards to the Citi AT&T Access Credit Card (no annual fee) and then upgrade to the Citi AT&T Access More Credit Card ($95 annual fee).  I love these Citi AT&T Access More Credit Cards and I will show you why I keep these credit cards year after year.