Originally Posted by
sydneyracquelle
You’ve already hit the $25k MQD waiver so you are good. If you have 75k MQMs you can select your PM choice benefits now. Amex generally doesn’t issue prorated annual fees. You might be better off eating the $200-$210 and getting the companion cert next July and then closing the account. You don’t have to use the card at all.
Unless something has changed recently, Amex will prorate if you downgrade, but they won’t do so if you cancel.