Hilton Surpass (I think--I can't remember the names--it's the one with the $95 fee). Had it for two years, free the first year and paid the fee last January anticipating Hilton stays in 2020 which didn't happen, so I only had one charge on it from this past year.

Called retention, told them I'd just received notice of the annual fee billing and thought I should cancel, since I don't know when I can travel again. Sympathetic agent offered to downgrade to a free card; I told him I didn't want to pay the fee, but I might just apply for that later. No other offers made. Canceled card.