Retention Offer Database
Before you cancel a card, call first. Credit card issuers often offer statement credits, bonus points, or fee waivers to keep you. Browse community-reported retention offers to know what to expect before you pick up the phone.
Look up your card
Search our database for your specific card to see what retention offers others have received recently.
Call your issuer
Call the number on the back of your card and mention you're considering canceling. Be polite and specific.
Report your result
Whether you received an offer or not, submit your data point to help the community.
Retention Offers
Community-reported retention offers
Frequently Asked Questions
What is a retention offer?
A retention offer is a special deal that credit card issuers offer existing cardholders who call to cancel or downgrade their card. Common offers include statement credits ($50-$500), bonus points (5,000-75,000), reduced or waived annual fees, and elevated spending multipliers for a limited period.
How do I ask for a retention offer?
Call the number on the back of your card and say you're considering canceling due to the annual fee. Be polite but firm. The representative may transfer you to a retention specialist. If the first offer isn't good, politely decline and try again in 30 days.
When is the best time to call for a retention offer?
Call 30-60 days before your annual fee posts. This gives you leverage and time to try again if the first call doesn't yield a good offer. Some data points suggest calling in the morning on weekdays produces better results.
Do retention offers affect my credit score?
No. Accepting a retention offer has no impact on your credit score. However, if you cancel a card by rejecting the offer, it can affect your credit utilization ratio and average account age.
How often can I get retention offers?
Most issuers allow one retention offer per card per year, typically around your card anniversary. American Express is known for offering retention once per 13 months. Our database tracks how often users report receiving offers by card and issuer.