AMEX gold biz. Annual fee jumped to $375. Second card is $95. Took away 4x points for shipping, something that was valuable to our business. Added $20/month for purchases at FedEx or Staples. I use it, but it is a nuisance at the start of each month to be sure I do so.

Offered 35K points for $5K spend in next 3 months. Took husband off account, thus eliminating the $95 charge. Accepted offer. Made a note of date so that next year at 12 month mark, I'll likely drop card.