I suppose since I'll be triple dipping (at least double-dipping) on the $200 airline credit, before the second annual fee, I'll be paying $250 for the card (75K points and other benefits) if I can triple dip, it's probably still worth it to keep for 13/months. I'll certainly need to transfer out any MR points before cancelling to avoid the second fee. I'll still push back with them for a few days. I've had to fight for things in the past - it always takes some degree of effort...