(Updated) Current Retention Offer: Amex, Chase & Citi Retention Offer Data Points

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Current Retention Offer Amex, Chase & Citi Credit Card Retention Offers Lately

Current Retention Offer: Amex, Chase & Citi – Recent Data Points

Here are data points for those seeking a current retention offer Amex, Chase & Citi have offered to credit card users. Retention offers play a huge role in this hobby, and it can be hard to know if the retention offer you’re getting is a good one or not. Here’s what others have received lately on various cards from these 3 banks. If you don’t see a card listed, it either means we haven’t seen the offer (so please tell us!) or that the bank has not made any recent offers.

We will constantly update this retention offer resource. Bookmark it and continue to give us your data points, so we can keep it as up to date as possible.

Updated with new cards & data points 7/13/20.  Keep sharing them as you get them!

What Is a Credit Card Retention Call?

For those unaware, let’s start with the basics. “What is a credit card retention call?” It’s when you call the number on the back of your card saying you want to cancel the account / close the card. This is best done when the annual fee has just hit your account. It goes something like this:

“Hi, I’m calling to close my account. I see the annual fee just posted, and I don’t think the fee is worth it to keep the card. I want to close the card so I don’t have to pay the fee.”

The focus is the annual fee. The bank / credit card issuer wants you to pay that fee to keep the card. They want you to keep the card, because that makes them money. This is where the “retention” comes in. Banks will often offer you something to entice you to keep the card. This usually comes in the form of waiving the annual fee, reducing the fee, or offering a spending bonus (“spend x dollars and earn x bonus points”).

Some banks have a specialized department for this. Others don’t. The point is that you’re now entering a negotiation with the phone representative, whose goal is to get you to keep the card and remain a customer of the bank. Things like how much money you spent on the card last year, how long you’ve been their customer, number of other accounts, credit score, etc. can all play a role in how much they’ll offer you to remain a customer on this account.

Retention Offer Amex

Current Retention Offers – American Express

Wondering what kind of retention offer Amex might give you during your phone call? Here are recent data points. They’re sorted by card, to make things easier.

Amex Business Platinum Card

Here are current retention offers on the American Express Business Platinum Card:

  • 30,000 Membership Rewards points with no spend required
  • 5,000 Membership Rewards immediately, plus another 25,000 points after $10,000 spend in 90 days
  • 30,000 Membership Rewards points or $300 statement credit after $2,000 spend in 90 days
  • 20,000 Membership Rewards points or $200 statement credit after $3,000 spend in 90 days
  • $100 statement credit or 10,000 Membership Rewards points for $3,000 spend in 90 days
  • 5,000 Membership Rewards points immediately, plus 5,000 more points after $3,000 spend in 90 days
  • 35,000 Membership Rewards after spending $5,000 within 3 months.

Amex Delta Reserve Personal & Business Credit Card Review

Delta Reserve Card

Here are current retention offers on the American Express Delta Reserve Card:

Retention Offer Amex

Delta Gold Card

Here are current retention offers on the American Express Delta Gold Card:

  • $30 statement credit with no spend required
  • $50 Delta credit after $1,000 spend in 90 days
  • 5,000 Delta SkyMiles after $1,000 spend in 90 days

Gold Card

Here are current retention offers on the Gold Card from American Express:

  • 10,000 Membership Rewards points or $75 statement credit with no spend required
  • 20,000 Membership Rewards points with no spend required
  • 30,000 Membership Rewards points after $4,000 spend in 90 days
  • 20,000 Membership Rewards points after $3,000 spend in 90 days
  • 5,000 Membership Rewards points immediately, plus 10,000 Membership Rewards points after $1,500 spend in 90 days
  • 15,000 Membership Rewards points or $150 statement credit after $2,000 spend in 90 days
  • 15,000 Membership Rewards points after $2,000 spend in 90 days
  • 10,000 Membership Rewards points after $1,500 spend in 90 days
  • Annual fee waived plus 0% APR for 6 months

Amex Delta Reserve Personal & Business Credit Card Review

Delta Reserve

Here are current retention offers on the Delta Reserve

  • 50,000 Delta Skymiles with no spend required.

Retention offer Amex Marriott Bonvoy Brilliant card

Marriott Bonvoy Brilliant Card

Here are current retention offers on the Marriott Bonvoy Brilliant Card from American Express:

  • 30,000 Marriott points OR $100 statement credit with no spend required
  • 20,000 Marriott points after $2,000 spend in 90 days
  • $100 statement credit after $2,500 spend in 90 days
  • 30,000 points after $5,000 spend in 90 days

Retention Offer Amex

Platinum Card

Here are current retention offers on the Platinum Card from American Express:

  • 200,000 Membership Rewards points or $2,000 statement credit with no spend required (this person had spent over $100,000 on the card last year)
  • 50,000 Membership Rewards points with no spend required
  • 50,000 Membership Rewards points or $500 statement credit with no spend required
  • $500 statement credit with no spend required
  • 30,000 Membership Rewards points with no spend required
  • Choice of $300 statement credit after $2,000 spend in 90 days or 30,000 points with no spend required
  • 30,000 Membership Rewards points or $300 statement credit after $4,000 spend in 90 days
  • 20,000 Membership Rewards points or $200 statement credit after $3,000 spend in 90 days
  • 20,000 Membership Rewards points after $3,000 spend in 90 days

Amex Business Gold
  • $200 statement credit – no spend required.

Amex Green Card
  • 15,000 points with no spend requirement.
Hilton Honors Surpass Card
  • 10,000 points with no spend required.
  • Waive $95 annual fee with no spend required.
  • 15,000 points with no spend required.

Hilton Honors Aspire Card
  • 10,000 points after spending $2,000 within 3 months

Current retention offer data points for Chase cards

Current Retention Offers – Chase

Wondering what kind of retention offer Chase might give you during your phone call? The bad news is that Chase is not known for making retention offers on most of their cards. If you get one, consider yourself lucky. Here are recent data points. They’re sorted by card, to make things easier.

Chase Marriott Bonvoy Boundless

Marriott Bonvoy Boundless Card

Here are current retention offers on the Marriott Bonvoy Boundless Card from Chase:

  • $100 statement credit for keeping the card
  • $50 statement credit for keeping the card
Ritz-Carlton chase retention offer
Ritz-Carlton Credit  Card

No longer open to new applicants, but many people still have this card. Here are current retention offers on  The Ritz-Carlton Credit Card from Chase:

  • $150 statement credit for keeping the card, no spend required

Retention Offer Amex

Sapphire Preferred Card

Here are current retention offers on the Chase Sapphire Preferred Card:

  • $65 statement credit for keeping the card

Retention Offer Amex

Southwest Rapid Rewards Plus Credit Card

Here are current retention offers on the Southwest Rapid Rewards Plus Credit Card from Chase:

  • $70 statement credit for keeping the card (annual fee is only $69)
Southwest Rapid Rewards Premier Business Credit Card

Here are current retention offers on the Southwest Rapid Rewards Premier Business Credit Card from Chase:

  • $100 statement credit for keeping the card (annual fee is only $99)

Southwest Rapid Rewards Priority Credit Card

Here are current retention offers on the Southwest Rapid Rewards Priority Credit Card from Chase:

  • $70 statement credit for keeping the card

Retention Offer Amex

World of Hyatt Card

Here are current retention offers on the World of Hyatt Card from Chase:

  • $50 statement credit with no spend required

Current credit card retention offer data points for Citi

Current Retention Offers – Citi

These are recent data points for what type of retention offer Citi has given other customers recently. They’re sorted by card, to make things easier.

AAdvantage Executive World Elite Mastercard

Here are current retention offers on the AAdvantage Executive World Elite Mastercard from Citi:

  • $100 statement credit after spending $3,000 that month, each month for the next 3 months

Retention Offer Amex

AAdvantage Platinum Select 

Here are current retention offers on the AAdvantage Platinum Select card from Citi:

  • $100 statement credit after spending $3,000 in 90 days
  • Annual fee ($95) waived
  • 10,000 AAdvantage miles after $1,000 spend in 90 days

AT&T Access Card

Here are current retention offers on the AT&T Access Card from Citi:

  • 2X extra ThankYou points on all spend for 6 months, up to 35,000 points maximum

Citi Preferred Card

Here are current retention offers on the Citi Preferred Card:

  • 7,500 ThankYou points after $1,000 spend in 90 days

Retention Offer Amex

Citi Premier Card

Here are current retention offers on the Citi Premier Card:

  • $95 statement credit one time, plus 1,000 ThankYou points after $1,000 spend for each month over the next 3 months
  • 5,000 ThankYou points after $1,000 spend in 90 days. The offer only came up after they started the cancellation process for one reader.
  • 1,000 ThankYou points & $95 credit after $1K spend per month for 3 months
Retention offer Citi Prestige
Citi Prestige Card

Here are current retention offers on the Citi Prestige Card:

  • $250 statement credit one time after $5,000 spend in 90 days
  • 20,000 ThankYou points bonus after spending $4,000 that month, each month for the next 3 months

Current Retention Offers – U.S. Bank

These are recent data points for what type of retention offer U.S. Bank has given other customers recently. They’re sorted by card, to make things easier.

US Bank Altitude Reserve

Altitude Reserve
  • $150 statement credit with no spend requirement.

Final Thoughts

Even though we’re sitting at home and not traveling, that doesn’t mean our card strategies have disappeared. Annual fees from banks will still show up, and retention calls will still matter.

Knowing beforehand what retention offer Amex, Chase, or Citi might offer you can help you know what you will / won’t accept. By seeing data points from other credit card users who have the same card as you, we hope this pool of current data points is useful. Numerous factors play a role, especially your relationship with the bank. Being a customer who spends a lot of money on that card and never missed a payment can make the bank more willing to shell out to keep their card in your pocket.

If you’ve made any retention calls so far in 2020, we’d love to have your data points. What card did you call about? What retention offer did you receive, if any? How much had you spent on that card in the past year? When did you open the card? Even telling us “they made no offer” helps us build a wider picture. Thanks for sharing on data on a retention offer Amex, Chase, or Citi gave you recently.

Ryan S
Travel hacker in 2-player mode, intent on visiting every country in the world, and can say "hello" or "how much does this cost?" in a bunch of different languages.

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99 COMMENTS

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99 COMMENTS

  1. Choice of $300 statement credit after $2,000 spend in 90 days or 30,000 points with no spend required.

    First was offered the $300 statement credit. After expressing I might not be able to hit the spend requirement, the 30,000 points was offered with no spend as an alternative.

  2. AMEX Platinum just now…
    I have an Annual spend 25-35K…
    Was offered $300 statement credit if I spend 2K or 30,000 points with 0 spend.
    Took the points

  3. My father got an offer of 30,000 Membership Rewards Points on his platinum card last week. No spend required for the offer just needed to keep the card open for a whole year. He didn’t put much spend on the card other than the minimum spend for the signup offer.

  4. Barclays Arrival+ annual fee just posted. I originally got the card in June 2019. I put over $18K spend on it. All the boards say Barclays will always waive the annual fee and make an offer for additional spend. When I asked them to waive the annual fee, I was give a quick no. He then checked for offers and said none were showing up for me. 0 for 2. Dang.

    • I got no retention offer on mine, either, so I downgraded to the no annual fee version. I’ve heard multiple people say since then (that was Feb 5) that Barclays is now telling them the no annual fee version isn’t available for product change. Did you ask about that one? I like preserving the credit lines and history when there’s a no-fee version.

  5. June 18 – I just got this on my Citi Premier:
    $95 statement credit one time, plus 1,000 ThankYou points after $1,000 spend for each month over the next 3 months. Must do $1k/month for 3 months, not $3k in a single month.

  6. I just noticed that got billed for the Delta Reserve card and my account was just autopaid. The first rep told me about the $100.00 credit. I first rep was terrible. The retention dept gave me the 50K miles as stated. The 50K points was worth it to me for the annual fee. They are still crediting me like others the $100.00 as well. Now I need to call again on my Bonvoy card. Last time I called they made zero offer to me on that one which also just billed the annual fee. The rep mentioned if I tried to downgrade the card after I get the bonus miles, they will be coming after me. Thats fine. i play it straight and have never done anything like that. But the words used were gaming the system. Very interesting. I came to MTM to check out the retention offers. My US bank Flexperks card waived the $49.00 annual fee when I called. That was the old Flexperks card. For free Ill keep it.

      • Yes that was the personal card. As always the first rep goofy rep says we are giving you $100.00 credit to all card holders. Not until I was cancelling with rep number 2 did she mentione the 50K points. Initially she acted like she was cancelling. So they are trained on the script for sure. I cant see why this would not work for business or business as the3se days nobody is flying.

  7. To anyone who has been extended a retention offer, consider yourself LUCKY. I have annual spend of 50k-75k. Nearly every card hitting the anniversary/renewal date has been denied for any sort of upgrade offer, retention offer, or AF waiver. List includes: Amex Platinum personal, Amex Gold personal, Amex Hilton Surpass, Citi AA biz, and Citi AA Platinum personal.

    Expect the story to be the same for Amex Delta Gold biz, Amex Green biz, and Amex Green personal.

    Especially sour about Hilton. Asking everyone to pay an AF, but no pool, no hot tub, no breakfast, etc. Won’t budge an INCH with any sort of fee relief or upgrade offer or anything that would offset all of that. Consequently, I’m going to use up my hotel points & any free nights. Then vow to not pay out of pocket ever again. Amex says to call Hilton. Hilton says to call Amex. Tired of the run-around. They are burning bridges. #NoMask #NoVaccine

  8. Delta Amex Platinum – No retention offer. Phone rep. suggested I downgrade to a no fee card. I cancelled the card.

  9. Offered 30k points or $300 statement credit after $2k spend for the Amex personal platinum. A bit annoying as I used the card a LOT last year, but whatever.

  10. For Bonvoy Brilliant, the initial rep offered to either downgrade my card or cancel the card to get the fee back. If you downgrade, they prorate the fee by month regardless of when you call so you would pay a total of ~$125 fee for a $95 fee card assuming you call within the first month after you get charged the renewal. (I called 3 days after) That was a dealbreaker for me so I opted to cancel. They then sent me to a “specialist” ie retention dept. Retention then offered me $100 statement credit or 30K points no spend requirement. They neglected to mention until the very end that from Jun1st – Aug 31st, the $300 Marriott credit would be extended to any US restaurant purchases made on the card.

  11. Called a few weeks ago for Amex Gold and was offered nothing. Called today and got offered $75 for $750 spend or 10,000 MR for $0 spend. I took the 10,000 MR.

  12. My AMEX Plat Personal vanilla is coming due 5/20. Southwest is my credit an all $200 sitting there. Doesn’t seem low $ gift cards are counting to burn that off. Any advice prior to calling?

    • Mike – do you have any future trips booked where you could pay for early boarding, seats, etc.? With the way Amex is going after other things these days, I wouldn’t try to fake it.

      • I do not, however is it an IHG situation where my refunded additional expenses would sit as a southwest credit for future use? Though I don’t think they refund Early Bird.

  13. nada for my SW Priority CC despite spending almost $25k since last yr.; AF was posted earlier this mo & need to make a decision by june 2

    any folks had luck calling again & got a different answer or better outcome? thx

  14. What card did you call about? Chase Iberia Visa
    What retention offer did you receive, if any? None 🙁
    How much had you spent on that card in the past year? Over $10K two years ago, $200 in the past year
    When did you open the card? 4/25/18

  15. I tried to call chase today because I have 2 cards with the annual fee due this month. I am going to look for a retention offer but would be ok cancelling them both. If there is no offer, I want to at least move my available credit to another card. The recording states that they are only taking calls for denied transactions, etc. Has anyone else had this problem? Are you calling a different number?

    • Kathy – might just be trying to reduce the flood of calls they’re getting now, but call the number on the back of the card as always. If closing, yes you can move credit lines from personal to personal or business to business cards but not across the 2 groups.

  16. Hold on.. you telling me Amex is STILL offering retention offers on top of all the offers announced the past week (e.g. $200 statement credit for Amex plat biz)????

    • Up until the day these “$200 off your annual fee” emails went out, yes. Will very very interesting to see what happens when people start calling for retention offers this week/in the coming weeks.

      • Oh… you think it’s worth clarifying above? Surely I’m not the only one that interpreted it that way (retention offers on top of past week’s super generous Amex offers)

        • They’re current last we know, and this is an ongoing data collection post (not the first time we’ve pushed it out) so people know what others are being offered. Even when others are offered something, you might get nothing, so none of these are ever a guarantee. It’s merely a resource to know the possibilities before calling in. You’re right, though, that we don’t know how those offers will change things.

  17. I called Chase and Amex on March 26th:

    Chase Sapphire Reserve: rejected. They told me there are no offers being contemplated at the time. I haven’t received a retention offer previously and I spend close to $100k a year on the card so that was disappointing.

    Amex Platinum: rejected. They told me there are no offer at the time. Also highlighted that i was given a retention bonus last yr (20k for 3k spend and $200 credit the year prior).

    • Sunny – CSR never has retention offers. I haven’t heard of anyone getting one for years now. Your point is confirming a trend that looks like this: if you get a retention offer on an Amex card this year, they won’t give you one next year.

  18. Just got the $20k for $3k spend in 90 days. The rep read a new disclaimer about gaming points stating they can cancel that card, swards ponits, any other cards held by American Express and forfeit all rewards pointrs. WOW!

  19. No retention offer for me on the Amex Hilton Surpass. I normally put $15,000 a year on the card to get the free weekend night. If they had offered anything at all, I would have kept the card. But I decided to downgrade to the no-fee Hilton card given no retention offer. I’ll put that $15,000 toward earning Ultimate Rewards points this year.

  20. Annual fee ($95) waived on AAdvantage Platinum Select. Low/no spend card. Didn’t expect anything. Was ready to cancel.

    • I was offered to not have to pay the $95 for 3 billing cycles. This was on the Business version. I took the offer, saying it would give me time to think about whether I should keep the card. Ha! They charged me the 15.74% interest on the outstanding balance. I will try calling again, but will probably cancel. (I cancelled the Prestige in February when they told me there were no offers on the card.)

  21. nothing for for amex biz plat this yr, so closed acct. lol, retention agent said that since the acct already got a 10k pts retention after a $10k spend last yr, didn’t have anything for this yr

      • yeah Ryan, no back to back retention offer… at least to me or my accts; also have the amex gold for 3 yrs; nothing for this yr, as the retention dept. said the acct already got an offer for 15k pts last yr.

  22. This is an outstanding write up Mark!!

    This is a huge help as I am approaching my 12 month period for multiple Amex cards.

    Also, it is a huge importance in tracking how the banks are handling this down fall and to monitor if there are any devaluation coming up. So, these are huge and helpful data points, to say the least.

    Thank you Mark!!

  23. Yep, just cancelled my AMEX gold. They were trying to sell me on the fact that I would get 100k MR if I hit 25k on grocery spend. They also noted that I had a AMEX Blue preferred. The monthly credits are a hassle in a rural area monthly anyways and this card was on my chopping block. 40k in spend last 12 months. Mentioned the annual fee 3 different times, but no dice. Not worth the HUCA.

  24. I am also canceling many cards when I don’t get a retention bonus. I didn’t spend very much on my Platinum card. They offered me a “deal” for being an Amex cardholder of one variety or another, not Platinum, for over 20 years by allowing me to spend “only” 50,000 points to pay for the annual fee. I declined. In spite of the increase in annual fee and recent heavy spending, I did not get any retention offer for the Amex Delta Business Platinum card, so I cancelled that one as well.

    • I can’t blame you Carl. I think they need to wake up and pivot quickly or these banks will lose a lot of their premium cardholders.

  25. Amex Bonvoy Brilliant – $2k spend for 20k Marriott pts
    $7k spend last year – had card for 2 years, upgraded 5 months prior

    Chase Ritz – $150 statement credit with no spend requirements
    $8k spend past year – had card for 3 years

    • Haven’t seen anything that’s recent at all. If you find any, let me know. If I find any, I’ll reply with an update and update the article

    • United just extended club memberships by 6 months IF purchased directly from United. Waiting to see what Chase does in regards to this with the Club Card. I’m potentially losing 3 – 6 months of Club access, which is why we all pay the hefty annual fee, so I imagine Chase / UA will do something …..

  26. I just got the Schwab Amex plat card last month ( no sign up Bonus ) first annual fee posted in first bill
    Worth a retention call ?
    Thanks

    • Rich, 2 thoughts-
      1. Why did you open the card without the welcome offer? did they say you weren’t eligible for it? If so, why not wait and get it later when you can earn the 60k MR?
      2. They’re not going to offer you anything to keep a card you just opened. In fact, attempting to close a card you just opened will likely sour your relationship with them and prevent you from being eligible for welcome offer bonuses for quite a while.

  27. I called on 3/24 about my Amex Gold Card. I was offered 30,000 MR for $4,000 spend in 3 months. I’ve had the card for 3 years and spent about 25k last year.

    • I haven’t dug out any that are recent. If you find any, let me know. If I find any, I’ll reply with an update and update the article 🙂

    • Re: Citi Prestige – I called twice this week, no retention opportunities offered 🙁 trying to decide if I should change the card as the fee outweighs the benefits

      • Remember the ‘family’ language with Citi. You can only get bonuses if you’ve not received a bonus OR closed OR product changed a card in that family in 2 years. Before you cancel or change the Prestige, remember that it’s going to reset your 24mo clock.

  28. Marriott Bonvoy Boundless card
    Opened 2017
    No spend since 2017 after sign up bonus
    $100 statement credit to keep the card open

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