JB Plus: Called 26 days after annual fee posted. Mentioned AF and thinking about closing account, was transferred pretty quickly. The second rep asked how often I fly JB, I said I try to often. She went over all the card benefits, etc. She then offered to credit half the fee ($49.50) or downgrade to the no AF JB card. I asked if there were other offers, she said no. Agreed to the half fee waiver, and after she said she could add on the spend $1k for 5k bonus points, which I accepted. Overall painless 8 minute call on a Saturday morning. Didn't have much more than my initial $1,000 for 60k spend. Maybe a $100, if that.
In addition, probably commonly known, but the rep said you have 60 days to inquire about the AF (whereas Chase is 30 I believe), and no other special offers for 90 days.