Why pay an annual fee if you don’t have to?

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I hate to pay most annual fees on credit cards. There are some I don’t mind, like my DELTA AMEX RESERVE card for $450 for all I get for it. If I cannot get a retention bonus like I blogged about here, I will either change to a no-fee card or just cancel.

My fee just came up for my Capital One Venture card from the 100,000 point deal last year for myself and my wife. So we just called today and both had the fee for this year and guess what, full credit for one more year – so 2 calls and $118 saved! – Rene


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  1. Some things you might think about not sharing, it will potentially ruin the possibility of such gratuities continuing in the future.

  2. @Pointasaurus – nope – if it can be done I will share! I am not like those at FT who keep secrets for only those in the know to use – Rene

  3. CapitalOne didn’t budged on the fee for me, I took the offer to switch to a no fee VentureOne card that offer 1.25 mile/$

  4. My wife and I both called to cancel the cards before the fee hit; were not offered any credit or offer to downgrade. After the cancellation, we did get email solicitation for reactivation for a no-fee version but did not take the offer.

  5. Same happened to me when I called last month. Fee is due in May and I’ll try again to get it waived, but if no dice I’ll drop to a fee free one.

    Since I don’t use the card much anyways I probably should just get a fee free and never worry about calling to get the fee waived again yeah?

    Which card was that Michael?

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