NJ, had experience with continental card some time ago. cancelled card after first year on ly to find offer in mail for same card two months later with no fee. this was with marine midland bank..now they are with chase. my other experiences suggest that most cards don't want to budge in regard to their annual fees, so just wait until the next offer comes in the mail. b/t/w, the fees are but peanuts in comparison to the miles that you can accrue, but you probably know that already...regards