My wife's AF for SPG Biz posted on 10/12 so she'll have to call soon for offer. My AF was $65 a few months ago, hers was $95 (ouch). My original plan was for her to cancel if no offer, but this card has gotten GREAT offers this year. Already cashed in on Sams Club 20% for her card and my AU card. I'm now undecided if she should keep it and pay fee, or downgrade (and risk not getting good offers).