Got the Amex Platinum last year with an eligible WBS. Annual renewal membership $395 just hit my account. Not eligible yet - should I downgrade to gold or pay the $395 myself?

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Whoa. WBS for an annual fee?!

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Pay!! Use Uber for personal (200$ / year) and airline expenses to get some of your money back (beer during flights). Check what else you can use to get your money back

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MDs get one of those

What’s the ROI with points? Meaning how many more points would you accumulate with Platinum, and what’s the $ value of those? If > $395 then yes

You can also cancel and receive the prorated fee back

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