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 5/6/20.  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:

  • 5,000 Membership Rewards points immediately, plus another 25,000 points after $10,000 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.

Retention Offer Amex

Delta Gold Card

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

  • $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
  • 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:

  • 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
  • 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.

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.
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

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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65 COMMENTS

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65 COMMENTS

  1. 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.

  2. 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.

  3. 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

  4. 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

  5. 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.

  6. 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.

  7. 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.

  8. 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!

  9. 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.

  10. 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.)

  11. 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.

  12. 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!!

  13. 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.

  14. 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.

  15. 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 …..

  16. 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.

  17. 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.

  18. 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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