Called in about the AF that just hit my Ink Plus this month. Was offered $95 credit last year but said nothing was available this year. Said I could cancel or downgrade to the Ink Cash. I have the Ink Bold as well and on both cards, I hit about $25k spend in bonus categories for the past year. If I cancel, I would be pretty much close to hitting the $50k limit on one card. Thinking of trying one more call for an offer, but if I don't get it I'll probably just keep the card and pay the annual fee. Figure the $95 extra is worth tapping out out the limit on one Ink card and hopefully staying off their radar.