Originally Posted by
trikotret
... the cheapest way keeping this card?.
The annual fee is $195 of which $100 is refunded through the Airline Fee Reimbursement benefit. Net cost $95. You can downgrade to Green, but that will also cost $95 and you will give up the bonus points on dining, gasoline and groceries. If the card isn't worth $95 you need to cancel. It will remain on your credit history for a decade.