I also have the MC version of this card, but I got it when the Visa wasn't available on their application page and the MC was with no annual fee. I have always had excellent credit. Would they just start charging me an annual fee, or would they change my card to the Visa? If they're going to charge fee, would they send me a letter in the mail stating this, maybe just put it in page 9 of a 10 page policy change?