Wouldn't offer me a retention offer. Says I accepted a offer of 10,000 SPG points in Jan. Annual fee was due in december for my business card. One of the reasons I have been keeping the business card over the personal one is because I got the lounge access for my family when we were staying at Sheraton hotels. It was a big money saver, since we didn't have to pay for breakfast, and they usually had something decent for dinner. Debating if I should keep this card or not. My family only travels for vacation like once a year so not sure if its worth it.