Originally Posted by ryanmcv

Not sure. I received the email and I did not reduce my CL in year one to avoid the AF. I paid the $395 fee. I did, however, receive the 140,000 bonus points and maxed out the $300 travel credit last year. I've already used $150 of the credit this year, and I'm hoping to use the rest before the AF is due in May. So between the 140,000 bonus points and $600 in travel credits, the card has more than paid for itself in year 1.

Also, for what it's worth, I noticed that the 140,000 bonus points counted towards my 10% annual premium. So essentially, the sign-up bonus was 154,000 points.