Interesting.... I tried online annual fee waiver
No go. So I canceled my Citi Amex and MC. Got two letters in snail mail asking me back. I called the number in the letter for the MC. Waived the annual fee and gave me 2 points per $ spent, per month, up to 500 per month, for 16 months. Took it. Not sure if I want the AMEX. Would like to reapply for that later.