My annual fee is due this month so I brought up some problems I had with the card this year. They waived the annual fee. Pretty sure they would do it anyways though. Call center read a brief script to me about how many points I had earned this month and in the last year and I said "I know, but I would get those with the free card too." As another data point, I did earn Mosaic last year. This is also my third year and I have never previously asked for it to be waived.