So, my Chase Shappire annual fee posted. I called to see if they could waive or reduce it, but the rep said no. But, she offered me 5,000 points for spending $X,XXX (can't remember exactly -- but something low) within 60 days. I decided to keep it open. After that, I called Citi about my AA card. They not only gave me a statement credit, but also gave me 750 miles per month for 12 months if I spend at least $750 (so essentially 2 miles per dollar up to $750). Now, I'm having a second thought. Is it worth paying the Chase Shappire annual fee? What would you do?