My American Express Premier Rewards Gold card is up for renewal, and I'm wondering what my options are. I have almost 70k MR points, and I don't know where I want to transfer them -- ideally I'd like to keep my points in the MR program. Unfortunately, I don't want to pay the $175 annual fee for the privilege. Anyone know what the options are? Do they commonly lower the fee if you call to cancel? Do I have to actually be willing to go through with it? (I don't want to do this without liquidating my points first...) Do they have a lower-annual-fee card that is still part of the Membership Rewards program? I spend only a few hundred dollars a month on my Amex (most of my spend goes toward the $10k I need to get my bonus 50k AA miles), so I'm probably not an important customer to them. Thanks!