I'm sure there are others in this situation, so I'm hoping to be enlightened. I recently applied (and was approved) for the Amex Platinum card when they had the 100K AR sign up earlier this week. I have received the card and activated it. No issues there. PRIOR to this week, I possessed an Amex Platinum as an additional user on my wife's primary account. So now, she is a primary account holder of a Platinum and now I am also a separate primary account holder of a Platinum. In addition, I am an additional user on HER account. As far as fees, this would mean $450+$450+$175. Now, I'm not stupid and I know I have to eventually cancel EITHER my additional card on her account or my primary account. We had never anticipated me getting a Platinum card, but 100K sign up was a no-brainer. The fees on HER account will come up due in March. I will incur MY primary account fee here shortly since I just got the card. So, I ask, what should I cancel and when? If I cancel my primary Platinum (prior to the next annual fee date), do I lose AR points (my only other Amex right now is Starwood)? Should I cancel my additional user access on her account for a year and return upon cancellation of my primary account? To we just stay with 2 primary accounts? So many options. We BOTH would like a card (whichever way) since we fly a lot and use the lounge access and $200 credit every year. Thanks!