Not sure if this has been covered recently - but just called for retention bonus against $65 annual fee - gen questions agent couldn't do - so I said cancel and he was unable to cancel and sent me to retention. Retention agent offered a $25 statement credit, so I agreed to keep card. The fact that I have had Amex cards since 1997 with clean pays helped to get this. Good luck to others, the $65 is a bit high.