Good morning everyone, happy Friday! 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 was reviewing my Chase credit cards and noticed that the $95 annual fee posted to my Chase Marriott Bonvoy Boundless Credit Card. I have had this credit card in various forms over the last few years, starting with the $395 JPMorgan Chase Ritz Carlton Visa Infinite Credit Card, then to the $85 Chase Marriott Rewards Premier Credit Card, then to the $95 Chase Marriott Rewards Premier Plus Credit Card, and now the $95 Chase Marriott Bonvoy Boundless Credit Card. Hopefully that all made sense to you.
Even though I do not love Marriott Bonvoy (even more so after the upcoming Peak and Off-Peak pricing goes into effect), I have continued to keep this credit card for the free night certificate. I can usually get $150-$200 of value from the Marriott Bonvoy 35K Free Night Certificate. I always call when an annual fee posts and ask the credit card company to waive the annual fee (a really long shot), provide a partial statement credit (occasionally), or provide a targeted retention offer (sometimes). If you do not ask, you have a 0% chance of success – the worst they can say is no. So, what did I get offered and what I learn from the call?