Have had the regular Platinum card for 4 years. Got a $550 statement credit in 2021. Not surprisingly, no good retention offer for me 1 year and 2 days later. The only thing offered was to use 69,500 of my MR points to pay the fee, which would be a reduced rate from the 100K normal conversion rate. Not a good deal, right? Better to pay the fee (I am keeping the card), save the points, and use them for travel later, I think? Opinions???