Subscribe
Credit CardsCredit Card Retention

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

By Ryan S
236

Roundup of Free Stock Offers ••• Shop Amazon Deals

This post may contain affiliate links; please read our advertiser disclosure for more information.
Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Links in this post may provide us with a commission.

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 1/8/21.  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.

Blue Business Plus

Here are the current retention offers for the Blue Business Plus.

  • $50 statement credit up front plus another $100 credit after spending $2,000 within 3 months.

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
  • 30,000 Membership Rewards points with no spend required PLUS 50,000 points after $40,000 spend in 90 days
  • 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.
  • $145 statement credit on top of $200 pandemic credit everyone gets at renewal.

Amex Delta Reserve Personal & Business Credit Card Review

Delta Reserve Card

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

  • $100 statement credit + 60,000 Delta SkyMiles with no spend required
  • 50,000 SkyMiles with no spend required
  • Choice of 50,000 SkyMiles or $200 statement credit with no spend required
  • Choice of 15,000 SkyMiles or $100 statement credit with no spend required
  • 60,000 Delta Skymiles with no spend or a $400 credit after $2,000 in spend.
Current retention offers on the American Express Delta Platinum Card
Delta Platinum Card

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

  • 30,000 miles with no spend required or $100 statement credit after $1,000 spend in 90 days
  • 15,000 miles with no spend required or $100 statement credit after $1,250 spend in 90 days

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
  • $70 statement credit after $1,000 spend in 90 days
  • $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:

  • 30,000 Membership Rewards points with no spend required
  • 20,000 Membership Rewards points with no spend required
  • 10,000 Membership Rewards points with no spend required
  • 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

Delta Reserve Personal & Business Credit Card Review

Delta Reserve Business Card

Here are current retention offers on the Delta Reserve Business Card:

  • 10,000 Delta Skymiles after $10,000 in spend or a $125 credit 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:

  • 65,000 Marriott points with no spend required.
  • 60,000 Marriott points with no spend required
  • 30,000 Marriott points or $100 statement credit with no spend required
  • 20,000 Marriott points with no spend required
  • $300 statement credit after $1,250 spend in 90 days or 65,000 points with no spend required
  • $100 statement credit after $1,500 spend in 90 days or 20,000 points 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
  • 3,000 points with no requirements
Amex retention offers on Bonvoy cards
Marriott Bonvoy Card

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

  • $100 statement credit after $2,500 spend in 90 days
Marriott Bonvoy Business Card retention offers
Marriott Bonvoy Business Card

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

  • $50 statement credit with no spend required

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 or $500 statement credit with no spend required
  • 50,000 Membership Rewards points with no spend required (also offered on the Schwab version)
  • $500 statement credit with no spend required
  • 30,000 Membership Rewards points with no spend required
  • 20,000 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 with no spend required
  • 5,000 Membership Rewards points immediately, plus 5,000 more points after $3,000 spend in 90 days

Amex Green Card
  • 15,000 points with no spend required
  • 12,500 points with no spend required or $10 statement credit after spending $1,000 within 3 months or use 15,000 points to offset the annual fee then receive 12,500 points back as a refund.
  • 7,500 points with no spend required or $50 statement credit after spending $500 within 3 months.
  • $75 statement credit with no spend required or 5,000 points after spending $3,000 within 3 months.
Hilton Honors Surpass Card
  • 25,000 points with no spend required (Got it via chat as well)
  • 15,000 points with no spend required
  • 15,000 points with no spend required or $75 statement credit after spending $1,000 within 3 months
  • 10,000 points with no spend required
  • 3,000 points with no spend required
  • Waive $95 annual fee with no spend required

Hilton Honors current offers

Hilton Honors Card
  • 10,000 Hilton points with no spend required

Hilton Honors Aspire Card
  • 20,000 Hilton points with no spend required
  • 10,000 Hilton points with no spend required
  • Choice of $300 statement credit or 80,000 Hilton points with no spend required
  • 10,000 points after spending $2,000 within 3 months
  • $50 statement credit after spending $500 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 Sapphire Reserve
  • $150 statement credit with no spend required
  • $250 statement credit with no spend required

Amex retention offers on Bonvoy cards

Marriott Bonvoy Boundless Card

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

  • $100 statement credit with no spend required
  • $50 statement credit with no spend required
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 with no spend required

IHG Rewards Club

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

  • $25 statement credit with no spend required

Retention Offer Amex

Sapphire Preferred Card

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

  • $65 statement credit with no spend required
  • $60 statement credit with no spend required

Chase Ink Business Preferred / Plus

Here are the current retention offers for the Chase Ink Business Preferred card:

  • $50 statement credit with no spend required.

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 (annual fee is only $69) with no spend required
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 (annual fee is only $99) with no spend required

Southwest Rapid Rewards Priority Credit Card

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

  • $70 statement credit with no spend required

IHG Rewards Premier / Club Select Card

Here are current retention offers on the IHG Rewards Premier Card from Chase:

  • $25 statement credit with no spend required

Marriott Bonvoy Premier Plus Business

Here are the current retention offers for the Marriott Bonvoy Premier Plus Business:

  • $50 statement credit with no spend required.

Retention Offer Amex

World of Hyatt Card

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

  • $95 statement credit with no spend required
  • $50 statement credit with no spend required
United MileagePlus Explorer Card

Here are current retention offers on the United MileagePlus Explorer Card from Chase:

  • $100 statement credit with no spend required

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
  • $225 statement credit, no spend required.

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 required

Other Banks

Banco Popular
  • Avianca LifeMiles Vuela
    • $149 annual fee waived.
    • Earn 8X per dollar on all spend for the next year.

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.

More Like This

Credit Card Retention

Should You Cancel Or Downgrade Your Credit Card? Factors To Consider.

Ryan S - 9
Credit card decisions include many factors, so we'll take a look at what to consider when making the cancel / downgrade credit card decision.
Read more
Credit Card Retention

Altitude Reserve Retention Offer Results Were A Success

Mark Ostermann - 5
PDX Deals Guy shares his Altitude Reserve retention offer results and they were a success. It made the probably cancellation in to a keeper!
Read more
Citibank

The Art of the Super Citi Retention Call & Our Recent Retention Offers

Shawn Coomer - 6
Details of our latest Citi retention offers and why you should utilize the same strategy to check offers across all of your cards (multiple people) on the same phone call!
Read more

236 COMMENTS

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

236 COMMENTS

  1. Hey Ryan,

    I just got off the phone with AMEX and received the following offers for the AMEX Green: 7,500 points with no spend required or $50 statement credit after spending $500 within 3 months. I went with the 7,500 point offer with no spend.

    Data point: 8k of spend last year.

  2. 50k MR with no spend on Schwab Plat. opened slightly less than a year (2nd AF hasn’t posted but will on this statement) with only MSR spend and streaming/wireless credits.

  3. Barclays AA Red, got $99 statement credit ovet phone with retention dept. No spend requirements. Bssically no spend put on card last year.

  4. Signed up for Premier last year, just had the annual fee for second year hit the account. Called and got offered 5000 points for spending $1000 in 90 days. I was going to probably keep it anyway to avoid resetting the 24 months for a sign-up bonus, so this works for me!

  5. Amex member since 2006.
    SPG Business / Marriott Bonvoy Business (2017)
    Blue business plus (2017)

    Just called for AMEX Green retention (AF$150). Here are the offers:
    1. $100 statement credit with $1K spend
    2. 12500 MR with no spend requirement.
    3. Use 15k MR to offset the AF, receive 12500 MR back

    I just took the 12500 MR offer with no spend requirement.

  6. DP: Amex Aspire ~35k spend annually. 20K Hilton Honors points no spend requirement. Said I was a member since 2006 but that’s my oldest Amex card, not the Aspire. Amex Surpass ~5k spend annually–no offer–holder since 2019.

  7. DP. Amex Aspire (10 days after 2nd year AF posted), Limited spend <1k.
    $50 statement after spending 500 dollars.

    Amex Hilton No AF card ( 4 yr hx, no spend) – no offers.

    • Wow, yeah, 3k Hilton points isn’t much of an offer after all of the verification you do before getting to that point. Thanks for letting us know.

  9. I called Citi about the AAdvantage card $50 annual fees but no offers or help other than the assistance with deferring the payments. I’ve had this card for 13 years yet CR said you could close your account to avoid the fees .Disappointed really .

  10. Any good data points on whether amex considers your total offers across cards? I got a second retention job offer in two years on my amex platinum which gets under 5k in spend annually. Called a month later for the gold and green cards and got no offers for either one. Green I expected as I spend very little on it, but gold card gets about 15-20k per year for 3-4 years now and I’ve never gotten an offer on that. Lots of factors could go into it but it seems odd that they would try to get me to keep a card I don’t use much, and don’t seem bothered that I’m willing to cancel the frequently used ones.

    • Here is a bit of data points. I first called for the green card. about $3000 ytd spend. I got it in 2019 when it was first introduced. Offered 12500 no spend. Point posted on 12/5. A week or so later on Gold card. about $13000 ytd spend but majority on last month because I got the 3x referral bonus on it. Opened 2018, offered 30K no spend, point posted on 12/15. I expected some but not this much. Next is Delta Platinum few days ago. Offered 30k miles no spend. just 5K spend ytd. opened 2018. That was a real shocker. I don’t know if I just got lucky with Amex or I received these in such a short period they didn’t realize I was getting back to back offers. Next up is Delta Reserve and personal Platinum in a month or so it will be interesting to see..

      On other hand, I was surprised I didn’t get any on my Citi Prestige card. I had it for 4+ years and 20k spend a year. I ended up downgrading it.

      • actually I just realized that my Platinum was renewed in May and I received 30000 with no spend offer. Only $18k spent in 2019. So there you have it.
        5/12 30k MR
        12/5 12.5k MR
        12/15 30K MR
        12/18 30K Skypass.

        • Those are all in this year? That’s great. It seems rare, since a lot of people seem to get retention offers much less often, so you’re definitely a lucky one. I’m jealous!

  12. Got nada on my CSR, been a cardholder since 2016. Been averaging about $37K in annual spend. Oh well. At least the AF is still $450 this year.

  13. Called today abt Amex bonvoy and was offered 20000 Marriott points w/ no spend OR $1500 within three months spend to get $100 off. Didn’t take any – looking at comments here – will try again tomorrow and report back.

    I did get 50K points for personal Amex platinum and 10K for Amex gold – no spends for both and I took those.

  14. DH has CSR since Oct. 2016. We have been Chase customers for almost 40 years. Called in late November after reading about the retention offers on CSR. Mentioned all the reasons that the card wasn’t providing value at this time No offer.
    Called again on Dec. 4. Again no offers. Transferred to what we were told was a retention specialist but then the audio on the call went out. Called back and again asked about retention offer. Again no offer on the CSR. Asked rep to review all of DH’s and my cards . We both have UA Explorer, Marriott Bonvoy (old $85AF card), IHG Rewards and IHG Premier and I have Hyatt and CSP. Got $50 each on Marriott cards and I got $25 on my IHG. Nothing more. Transferred to a supervisor who could have cared less if DH cancelled CSR. As of now, we decided to keep it since we are retirees and not sure we would be approved again with lower income and all the cards we have/credit lines. This also makes us unsure about downgrading to Freedom UL, applying for CSP and eventually upgrading. Once we can travel again, we will need this card. It has saved us a lot, especially on travel insurance on cruises in Europe.

      • The $49 IHG card – it says IHG Rewards Club on it. Had it since March 2015.
        DH has same card since July 2013 and he had no offer on his.
        We both have the IHG Premier (me from Aug. 2019, DH from May 2019) and nothing on that for either of us.

        Silver lining to my disappointing day which has nothing to do with Chase, but has to do with great Customer Service – called Cuisinart about the corroding carafe plate warmer on my still working Coffee Center (this is the dual carafe/pod coffee brewer) to express my disappointment. Turns out the 3 year warranty covers this and they are sending me a new one. This costs ~$160-199 (maybe you can get a sale and a discount, like I did with Kohl’s 30% off). Just have to cut the cord on the old one and send them a photo as proof. So some days end up just fine.

  15. Delta Platinum
    this is my first renewal and I don’t spend a lot on it. I was offered 15,000 skymiles with no spend or $100 credit with $1250 spend.

  16. […] Bank card issuers have been beneficiant in the course of the pandemic with a number of provides to maintain cardholders pending and utilizing their bank cards. One technique to preserve cardholders for one more yr is to supply some sort of retention bonus or credit score, particularly for premium playing cards which have an annual price. Getting some sort of credit score or bonus for paying the annual price and retaining the cardboard for one more yr, at all times makes the choice simpler. Chase Sapphire Reserve cardholders have received credits up to $250. Amex Platinum cardholders have seen bonuses as excessive as 50Okay Membership Rewards factors. We now have additionally seen these offers for no fee cards recently. Take a look at our full record of retention provides here. […]

  17. […] Credit card issuers have been generous during the pandemic with multiple offers to keep cardholders pending and using their credit cards. One way to keep cardholders for another year is to offer some kind of retention bonus or credit, especially for premium cards that have an annual fee. Getting some kind of credit or bonus for paying the annual fee and keeping the card for another year, always makes the decision easier. Chase Sapphire Reserve cardholders have received credits up to $250. Amex Platinum cardholders have seen bonuses as high as 50K Membership Rewards points. We have also seen these offers for no fee cards recently. Check out our full list of retention offers here. […]

  18. Called AMEX today, 11/25/2020 and inquired about retention offer for Delta Reserve Card, since not currently travelling, and most card benefits have been useless to me in 2020. Long time AX card holder (30+ years), spend $100,000 on cards annually, annual fee just hit. Accepted offer of $100 appreciation bonus plus 60,000 SkyMiles to keep card open for another year. Offer completely offsets fees. Satisfied.

  19. I just called about a possible retention offer/annual fee waiver on my Chase United Explore Visa. No dice. I may call once more in a few days, but it sounds like I will end up just closing my account.

  20. Couple data points…
    Amex Bonvoy Brilliant Card. 16k spend YTD. 60,000 Bonvoy Points, no spend required.
    Amex Bonvoy Card. 0 spend YTD. $100 statement credit for $2500 spend in 3 months.

    • Peter – thanks for those. The Bonvoy card was a new one. I got the same Brilliant offer about…2 months ago? Glad to see it’s still being offered.

      • I just called Amex about my Bonvoy Brilliant…and got no offer at all, which seems surprising from the data points above. Only had about $2,500 YTD spend.

        • Bill – have you gotten other offers from Amex recently? They seem to have a “one offer in a year” rule across your cards.

          • I received the Bonvoy Brilliant offer, and an offer of a $100 statement credit for $2500 spend on my normal Bonvoy card. These two offers were about a month apart.

          • That’s good to know. Not impossible, but not common to get multiple offers close together with Amex these days.

          • I don’t believe I have gotten an offer within the last year. Though, I do have the card from upgrading the old $95 version when there was a 100k offer so perhaps that is at play here.

  21. Closed a Chase Sapphire Preferred today. No retention offer, didn’t even try to stop me from closing. She asked if I wanted to downgrade to a no fee card. Then offered to transfer my credit line to another account.

    I’ve had it for 8 years and averaged $25k-$30k spend a year. I’m a little frustrated about it to be honest. I’ve had cards I never used get insanely generous offers. I would have thought I’d get something here.

    • Kyle – that is a bit surprising, but also not. Chase is unpredictable, especially with Sapphire cards. Thanks for sharing your data.

  22. Called United Mileage Plus card line: mentioned in a United Gold member so I already have card benefits and more with airline, and that I can’t use the points now so why keep the card? Had my yearly $95 fee 2 months ago.

    Without further discussion the rep said “let’s see how we can keep you, looks like I can offer a $100 statement credit, it’ll post within 30 days.” I accepted. I’ve only spent $2k on the card this year, last year and before spent about $15-20k/yr. No spend requirement for this, I’m happy with it even though by this time next year I’ll still be a United Gold member without needing to re-qualify for 2021. Call took <1min to get the offer.

  24. Great resource, Ryan and M2M. Your notes on the Citi AAdvantage Platinum Select encouraged me to call today and see what might be available to me for retention. Sure enough, called, asked, and after a brief wait, offered a $99 credit for the just posted a/f if I agree to spend 1k within 90 days. Accepted.

  25. Amex personal Green Card, first year open. Spent nothing beyond sign up bonus.

    Was offered 7,500 MR with no spend or $50 statement credit for spending $500 in next 3 months.

  26. Here’s a new data point for the WOH credit card. Less than $500 of spend for the anniversary year and received a $95 statement credit.

    I’ve had the card for two years, the first year of having the card I spent around $6,000.

  27. AMEX Personal Gold: 30K MR points to keep it open for a year. They read me a big long disclaimer that I had to keep it open for a full year the to keep the points. I gladly accepted the offer!

  28. AMEX Business Platinum. I was offered 30K points just to keep it open, plus 50K additional points for $40K spend within 3 months. By using the 1.5X MR points on a $5000+ charge, I was able to get over 2.4X MR points per dollar on the $40K spend. Nice!

      • That is correct. I moved all my non-Amazon, non-Dell spending to this card until I made the number. Not easy, but doable due to my high spend on technology.

  29. Called Chase United card for retention offer this morning. Response: “retention office is not available at this time.” Rep confirms no offers available to you.

  30. Sorry for the cross-posting: To my total surprise, today I was given a retention offer on my Citi Dividend no-annual-fee card – namely, 5% on ALL spend (no category limits) for 3 months. This is an extra 4% over the normal 1%. Limit $300 earnings ($6,000 spend) per calendar year (which is the standard annual limit for earnings for this card). Since this is late October, it appears that I can get $300 back in 2020 and an additional $300 back in early 2021 if I spend enough before this offer expires.

    This is on a no annual fee card! And just after being refused a retention offer for my Citi Premier card! I almost didn’t ask because I thought “no way”…

    • Exactly my same thought, Frank! Do it for the max for this year and for next year all within the 90-day period.

  33. I did receive 5000 points to keep my Amex Gold Business open with no spend and offered another 5000 points if I spend $3000 within 90 days.

  34. Called in to cancel my no fee Amex Hilton (former citi no annual). Was offered 10k hilton points to keep it open. Basically no spend on this card.

  35. I just got 50,000 points with no spend requirement on my personal Amex Platinum. I have had the account 2 years upgraded last year from a gold. I was also offered a $500.00 credit with no spend, but of course I took the points!
    I doubt my luck will hold up when I call about my Aspire next month.

  36. my best retention offer ever was 20,000 AMEX points!! i called up and told them I had a Presidential Card which is a chase United card..they had given me 20,000 united miles and I ask them to match it! They did!! advanced hustling folks!!!

    • Evan – can you tell me more about this? When was it? How long had you been with Amex? Which card did you call about? Was the annual fee up for renewal, or just a random phone call? Thanks!

      • Hey Ryan, I think I was with AMEX since 2009 I forgot which card I called about maybe it was a Platinum AMEX card or Gold? Yes the fee was coming up soon. When you call ask them if they can match an offer you received. Most people enjoy competition right?
        You dont ask you dont get. good luck!

  37. I called Amex last week and got 50,000 with no spend requirement on my personal Platinum. I’ve been an Amex card holder for decades and put a steady amount on the card, but it doesn’t get the bulk of my spending. Given all their current credits I was very happy with the offer. For those who’ve had no luck i know from previous years the retention offers are often more generous every other year, so a lack of current offers may be determined by what you got last year. I renewed last year despite no retention offer so I was glad to get something this time around.

  38. AmEx Delta Platinum no spend since meeting bonus requirements. 30,000 miles with no spend to keep the card or $100 credit after 1k spend
    Chase Sapphire Preferred over 30k spending last year. No offer, stating most people get an offer for spending over 50-60k

  39. I was not given any retention offer on my Bonvoy Brilliant Amex. My wife was given 10,000 Hilton Honors points on her Amex Hilton Aspire with no spending requirement.

  40. Called Chase yesterday about my Sapphire Preferred annual fee that just hit my account. Once I was connected and the representative asked what the call was about, I started hitting some of the talking points and she disconnected the call. Called back, spoke with a guy who was pretty curt and said the annual fee is in the terms and conditions that I agreed to when I signed up for the card and there is no way to waive or reduce the annual fee. I talked about cancelling the card because now that my Freedom Unlimited earns more on restaurants and travel is pretty much nonexistent for the time being, he wouldn’t budge and offered to cancel the card or downgrade to one of the Freedom cards (which I already have both, so that option is out). At least I tried, but wasn’t thrilled with how it went – I’ve had much better customer service from them in the past and these two calls weren’t the best.

  41. My own data point – just called to close Bonvoy Brilliant Amex and got offered 60,000 Marriott points – no spend required.

  42. New Brilliant Data Point
    Annual fee hit a couple weeks ago. Usually spend $75k per year, but only $4k to date since status carrys over to next year due to Covid.

    Today got offered the following two options :
    1.) $300 statement credit after $1250 spend over 3 months.
    2.) 65,000 points, no spend requirement.

    Took the points

    RCK

  43. Chase Southwest Visa Premier DP – September 23, 2020 – No retention offer with AF due on current statement. Rep clearly had knowledge that my use of card was minimal versus use of other Chase card(s), but still nothing. Rep also said without having to ask, I received and retain the 6k annual miles bonus. So with ability to now churn this card in 2021 for new card bonuses (had since 2012) and annual bonus miles, Chase is the clear looser.

  44. Just tried calling for retention offers for Amex Gold, Chase United Explorer, & Chase Sapphire Preferred. Not one retention offer available for me. Was offered downgrades to other cards instead. Will try one more time then decide if I want to cancel or not.

  46. Just called in to get a retention offer on my Schwab Platinum Card as annual fee cam in on current statement. was offered 30,000 MR with no additional spend. This offer was accepted!

  47. 20k MR points with no spend requirement offered mid September for amex platinum. Had retention offer last year as well.

  48. What if I call them for a retention offer telling them I want to cancel, let’s say Amex Gold, and they tell, “sure, we’ll be happy to cancel it for you” ?

    • I always ask, “Is there any kind of bonus or retention offer that you’re willing to offer to get me to keep the account open?” If they say there isn’t, then I ask how long I have to think about it before canceling so I can still get the full fee refunded. They’ll tell you the latest date you can close to get 100% of the fee back, and then I call again hoping for an offer the 2nd time.
      However, if you downgrade the card to something with a cheaper/no fee, you only get PART of the fee back, based on how many days you waited.

  49. Attempted several retention calls to Chase for Hyatt. Response every time: “retention office is not available or taking calls.”

    • I got that offer after my first year as a cardmember. When I called last week after my second year, they offered me nothing, so I closed the card. With all of the Marriott devaluations, the benefits don’t adequately cover the annual fee.

  52. Just got a $60.00 stmt. credit (no spend req.) for my Chase Sapphire Preferred card. Fee posted end of June, so I don’t think I could have technically gotten my AF back at this point, but they offered that right away. Very moderate spend on this card annually, tho I have a lot of points…

  54. Citi Prestige didn’t offer me anything when I called today. I have another card with them and have been a citi card holder for over 20yrs and had the prestige for over 6 years. Used the Prestige almost exclusively. I even asked if they had any offers or a reduction for the $500 fee since travel is limited because of covid. They said no so I canceled my card. They told me to use my points in 60 days or they will expire and they won’t transfer them to my other card even though they offered me a no fee card to keep my points. Time to move on from Citi I think.

      • Ryan Thank you for the info on transferring the points. I will need to call them again about it. I have never used or been offered a retention deal with citi. They said I was given an offer of 5x points on Restaurants in August but it looks to me they changed that for everyone. They acted like that was their only available offer.

        • “everyone gets this, so you don’t get anything special” seems to be a more common theme right now, with these extra credits & perks. It doesn’t really sway me to keep a card that I was thinking about closing, though, and I think banks don’t understand the difference.

    • I was in a similar situation although I called twice, about a week apart to see if they might offer something closer to the end date. No joy even though I’d had the card for five years and used it quite frequently. I moved my points to Turkish Air and Avianca (they had a 20% bonus on the latter) before closing the card.
      It was so close to my statement date that they insisted I pay the $495 fee to avoid carrying a balance into the next month and getting charged interest. They promised they’d refund it via a check because they “can’t do a direct transfer back to my Citi checking.” That was a couple of weeks ago and no check so far. I don’t doubt I’ll get the check eventually but the concept that they have to issue and mail a paper check from my closed Prestige account for me to then photograph and deposit from my phone app instead of simply making a direct transfer from Citi Prestige to Citi checking is crazy.

  55. Got an unsolicited email giving a $50 statement credit for Delta Business Platinum via email. Not enough! I’m going to try for more.. Anyone else have the same situation?

  56. Does anyone know if the $300 Restaurant Credit for AMX Bonvoy Brilliant will be extended beyond August 30th in lieu of the Marriott Resort Credit?

  57. My wife and I applied and were approved for the Delta Reserve card last year. We each paid the $550.00 fee but used it quite a bit for the perks associated with the card until February.
    When our new annual fees posted and we weren’t going to be doing any travel until 2021, we decided to cancel the cards. I called first. The account rep immediately sent me to the retention desk when she learned that I wanted to close the account.
    When I explained my reasoning she offered a choice of a $200.00 credit or 50K miles with no further spend requirement if I kept the card and paid the AF. I accepted the offer for the points. I don’t use the card much, but I do have other Amex cards that I put $75K spend on annually. That probably helped.
    My wife called next. She let me join in the conversation to do the negotiation for a retention offer. My wife has used the card once since completing her spending requirements for the bonus miles and this seemed to have a negative impact on what she was offered. The rep said there were no offers for her. I escalated the matter by asking to speak to someone at the retention desk. She reluctantly put me on hold for a few moments and came back with someone at the retention desk. My wife’s offer was $100.00 or 15K miles. We decided to cancel the card instead of paying $550.00.
    Once we start flying again, she’ll reapply for that card. She has been lucky over the years receiving offers from Amex without the once in a lifetime rules. We’ll keep our fingers crossed and maybe she’ll get an offer for the Reserve card.

  58. On 8/17 called about my AMEX Hilton Aspire. Asked to cancel. The agent mentioned benefits and I said can’t travel, can’t eat out. Agent starts cancel process and computer spits out retention offers.
    Offer 1. $300 statement credit, NO SPEND requirement
    Offer 2. 80,000 Hilton Points ($320 value at .4 cents each), NO SPEND Requirement
    Don’t spend that much on card, but spend over $100k on other amex cards combined.
    Took the points since I can expense the annual fee.

  62. Chase United Explorer Mileage Plus VISA. Retention offer #1: redeem 6300 MileagePlus miles to ‘pay’ the $95 AF (regularly $950 miles). Retention offer #2: downgrade to a no-fee card. Purchases are 1 mile for every $2 spent. No UA benefits like free bag fees. Which would you choose? Or just pay the $95, hoping to travel soon?

    • Do you need the checked bag benefit enough times that it offsets the $95? I downgraded mine to the no-fee version because it preserves credit history and still gives access to the increased award availability on United’s site. I haven’t needed the checked bags on domestic flights feature, so that didn’t matter to me.

  64. 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.

  66. 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

  68. 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.

  69. 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.

  70. 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.

  71. 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.

  72. 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

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

  75. 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.

  77. 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.

  79. 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.

  80. 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.

  81. 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

  82. 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

  83. 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.

  85. 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.

  86. 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.

  87. 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!

  88. 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.

  89. 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.)

  91. 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.

  92. 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!!

  93. 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.

  94. 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.

  96. 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 …..

  99. 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.

  100. 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.

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

LEAVE A REPLY

Please enter your comment!
Please enter your name here

7,449FansLike
15,951FollowersFollow
15,500SubscribersSubscribe

SoFi Money $50 Bonus!

Super easy bonus! Sign-up and deposit $500 or more and they'll pay you $50! That's it!
Grab Your $50 SoFi Bonus Now!

Webull - 2 Free Stocks!

Brokerage app Webull is offering 2 Free Stocks! Just open an account and fund with $100 to get your stocks valued up to $1600! Super easy!
Grab your 2 free stocks now!

Best Free Stock Offers

Full roundup of free stock offers

7,449FansLike
9,759FollowersFollow
15,951FollowersFollow
BoardingArea

Subscribe To Our Newsletter

Join thousands of MtM readers who are subscribed to receive a once daily email with all of our posts. Never miss out!

You have Successfully Subscribed!

MORE STORIES

United Travel Bank Appears Dead For Amex Airline Incidental Credits

Chase Merchant Services Offer, Get $750 When You Sign Up