Originally Posted by PowerMan572

FYI- I got my $395 annual fee refunded on my Ritz Carlton card a couple days ago!

https://www.travelhackguy.com/2015/0...-fee-refunded/

Looks like there's a law that prohibits banks from having the annual fee be more than 25% of our available credit. (I think) This is only valid for the first year. Even if your account was opened months ago, it should work.