I have a gold and platinum. I was planning to close the gold and keep the platinum 3 more months (for the travel insurance during a trip, maybe airline fees too, if I fly with united) because I had heard they'll prorate your annual fee if you close mid-year.

Today I called to check on this and the rep said I'd have to keep one or the other open in order to receive a pro-rated annual fee on the closed account. Really?!

If it makes a difference, I would have no AMEX cards once I close these (which is fine with me for right now since I'm waiting for a good SPG offer).