Retention Call Planner
Get a keep / downgrade / cancel recommendation for your credit card annual fee, plus a step-by-step retention call checklist — all client-side, no account data required.
Select a card to start
Credits & perks
Enter how much you actually use each benefit per year to see your personal coverage.
⚠ Preset figures are estimates based on published terms. Verify current amounts with your card issuer before making decisions.
| Perk / credit | Available | You use |
|---|---|---|
| Airline credit | $ | $ |
| Fine Hotels & Resorts credit | $ | $ |
| Uber Cash | $ | $ |
| Digital entertainment credit | $ | $ |
| Equinox membership credit | $ | $ |
| CLEAR Plus credit | $ | $ |
| Saks Fifth Avenue credit | $ | $ |
| Lounge access (est. 12 visits × $30) | $ | $ |
Your recommendation
Cancel
Canceling may be the most cost-effective choice.
Use $895 more in perks to break even.
Net annual cost
$895
after credits you use
Benefits you use
$0
annual value
Days until renewal
—
enter renewal date above
Why this recommendation
- •You recover only 0% of the annual fee — the card returns little value for its cost.
- •Net cost: $895/year.
Retention call checklist
Check off each step as you go. Retention offers are not guaranteed — this checklist helps you prepare regardless of outcome.
- Note your card's current benefits and which ones you actually use.
- Review this calculator's result before calling.
- Know your alternative: which card you'd downgrade to, or your plan to cancel.
- Call the number on the back of your card and ask to speak with the retention team.
- Ask whether any retention offers are available — there is no guarantee, but it costs nothing to ask.
- Do not commit to keeping the card during the call without evaluating any offer received.
- Ask about the prorated refund policy if the fee has already been charged.
- If downgrading: confirm exactly which benefits and rewards transfer to the lower-tier card.
Set an annual fee reminder in Perkmon — get notified before your next renewal so you always have time to decide.
Set reminder in Perkmon →Frequently asked questions
- When should I call for a retention offer?
- The best time to call is 30–90 days before your annual fee is charged. This gives you time to evaluate any offer without pressure, and most issuers will still refund the fee if you decide to cancel within 30–60 days of billing. Calling earlier — when you don't yet feel the pressure of the charge — usually leads to a calmer conversation with more options on the table.
- Should I downgrade or cancel a credit card?
- Downgrading is usually preferable to canceling if you want to preserve your credit history and any existing rewards balance. Canceling a card reduces your total available credit and can temporarily affect your credit utilization ratio. If the issuer offers a no-fee or lower-fee version of your card, downgrading lets you keep the account open without paying for benefits you don't use. If no downgrade option exists, or if the card has no remaining value, canceling may be the right call — but check the refund policy on your annual fee first.
- How do I decide if a credit card is worth keeping?
- Add up the dollar value of every credit, perk, and benefit you realistically use each year. If that total equals or exceeds the annual fee, the card pays for itself. If you recover less than half the fee in actual benefit usage, that is a strong signal to downgrade or cancel. This planner automates that math: enter your benefit usage and renewal date, and it gives you a data-backed recommendation with a step-by-step checklist.
- Why set an annual fee reminder?
- Annual fees are often charged automatically with little warning. By setting a reminder 60–90 days before the renewal date, you give yourself time to review your benefit usage, decide whether to keep, downgrade, or cancel, and call the issuer without rushing. A Perkmon annual fee reminder sends you a notification in advance so you are never caught off guard by a charge you did not plan for.
Updated May 2026