Current Retention Offers for Amex, Chase & Citi

March 22, 2026
Allie Johnson

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March 22, 2026
Allie Johnson

Travel on Point(s) is an independent, advertising-supported website. This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites like Creditcards.com and Bankrate.com. This compensation does not impact how or where products appear on this site. Travel on Point(s) has not reviewed all available credit card offers on this site. Reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any partner entities.

Current Credit Card Retention Offers

Banks will occasionally offer customers an incentive to keep a credit card open instead of closing it when the annual fee comes due. These offers are called retention offers. They can take the form of bonus points, a waived annual fee, or other incentives to keep the card open for another year. The bank takes into consideration how long your history with the bank, how long your card has been open, how much you spend on the card, and more when putting together these retention offers. Sometimes, you may not even be offered one at all. To help with this process we wanted to put together a current credit card retention offers list for you.

Table of Contents

How Do You Get A Retention Offer On Your Credit Card?

If you're considering closing a credit card, it's at least worth reaching out to the bank to see if you can get a retention offer first. We have a full guide to retention offers, including how to ask for one.

How Do You Know If Your Offer Is A Good One?

You now know how to get a retention offer, but how to you do know whether a retention offer is a good one to accept? It helps to know what retention offers others are getting, so you can decide whether the one the bank is trying to get you to take is worth keeping the card open for another year, or if you're better off closing the card and not paying another annual fee.

We've compiled a list of some the current retention offers for credit cards from each of the major banks — American Express, Chase, and Citi — based on recent data points from ToP members. We'll continue update this post with the latest retention offers as we hear about them. Please add any of your recent retention offer data points on our ToP Facebook Group thread.

Amex Retention Offers

These are the current retention offers for American Express credit cards, including co-branded cards, sorted by card.

The Platinum Card® From American Express

The following are some of the recent offers for The Platinum Card from American Express:

50,000 Membership Rewards points after spending $3,000 in three months
50,000 Membership Rewards points after spending $4,000 in three months
35,000 Membership Rewards points after spending $4,000 in three months
25,000 Membership Rewards points after spending $3,000 in three months (most common offer recently)
15,000 Membership Rewards points after spending $3,000 in three months
$150 statement credit after spending $3,000 in three months

The Business Platinum Card® from American Express

Here are some of the current retention offers we have seen for the Business Platinum card from Amex:

100,000 Membership Rewards points after spending $15,000 in three months.
60,000 Membership Rewards points after spending $30,000 in three months.
40,000 Membership Rewards points after spending $10,000 in three months
20,000 Membership Rewards points after spending $10,000 in three months (most common offer recently)
15,000 Membership Rewards points after spending $5,000

American Express® Gold Card

These are a few of the current retention offers for the Amex Gold card:

40,000 Membership Rewards points after spending $3,000 in three months
25,000 Membership Rewards points after spending $2,500 in three months
20,000 Membership Rewards points after spending $2,000 in three months (most common offer recently)
15,000 Membership Rewards points after spending $1,500 in three months
15,000 Membership Rewards points after spending $2,000 in three months
10,000 Membership Rewards points after spending $1,500 in three months

American Express® Business Gold Card

Here are some of the current offers we have seen for the Amex Business Gold card”

80,000 Membership Rewards points after spending $15,000 in 3 months
40,000 Membership Rewards points after spending $30,000 in 6 months
35,000 Membership Rewards points after spending $4,000 in three months
35,000 Membership Rewards points after spending $5,000 in three months
15,000 Membership Rewards points after spending $5,000 in three months
10,000 Membership Rewards points after spending $5,000 in three months (most common offer recently)

American Express® Green Card

The following are some of the current retention offers for the Amex Green card:

15,000 Membership Rewards points with no spending required
7,500 Membership Rewards points with no spending required or a $50 statement credit after spending $500 within three months
$125 statement credit after spending $3,000 in 90 days

Blue Cash Preferred® Card

Here are some of the current retention offers for the Blue Cash Preferred card from Amex:

$75 credit after spending $2,500 in three months

Delta SkyMiles Reserve American Express Card

These are some of the recent offers for the Delta Reserve card from Amex:

$100 statement credit, plus 60,000 Delta SkyMiles with no spending requirement
50,000 Delta SkyMiles with no spending required
15,000 SkyMiles or $100 credit after $1,000 spend (most common offer recently)

Delta SkyMiles Reserve Business American Express Card

Here are some of the current retention offers for the Delta Reserve Business card:

10,000 Delta SkyMiles after spending $10,000 or a $125 credit with no spending required

Delta SkyMiles Platinum American Express Card

The following are some of the current retention offers for the Delta Platinum card:

30,000 Delta SkyMiles after spending $3,000 within three months
15,000 Delta SkyMiles with no spending required
15,000 Delta SkyMiles after $2,000 in spend within three months
$50 statement credit with no spending required

Delta SkyMiles Gold American Express Card

These are a few of the current offers we've seen for the Delta Gold card:

$200 statement credit with no spending required
$50 Delta credit after spending $1,000 in three months
5,000 Delta SkyMiles after after spending $1,000 in three months

Delta SkyMiles Gold Business American Express Card

Here are some of the current retention offers for the Delta Gold Business card:

$200 statement credit with no spending required
Waived annual fee with no spending required

Hilton Honors American Express Card

These are some of the recent retention offers for the Hilton Honors card from Amex:

10,000 Hilton Honors points with no spend requirement
20,000 Hilton Honors points after spending $3,000 in three months

Hilton Honors American Express Surpass® Card

Here are some of the current offers for the Hilton Surpass Card from Amex:

6,000 Hilton Honors points after spending $1,000 in three months
$30 statement credit after spending $1,000 in 90 days

Hilton Honors American Express Aspire Card

The following are some of the current retention offers for the Hilton Aspire Card from Amex:

10,000 Hilton Honors points with no spending requirement
20,000 Hilton Honors points after spending $3,000 in three months

Hilton Honors American Express Business Card

Here are some of the current retention offers for the Hilton Honors Business card from Amex:

$50 statement credit immediately, plus a $100 statement credit after spending $2,000 in three months

Marriott Bonvoy Brilliant® American Express® Card

These are a few of the current retention offers from the Marriott Bonvoy Brilliant card from Amex:

20,000 Marriott Bonvoy points after spending $1,000 in three months
$100 statement credit after spending $1,000 in three months

Marriott Bonvoy Business

Here are some current offers for the Marriott Bonvoy Business card:

10,000 Marriott Bonvoy points after spending $2,000 within 3 months.

Bank Of America Retention Offers

Here are the current credit card retention offers for Bank of America.

Atmos Rewards Ascent

Here are the current retention offers for the Atmos Rewards Ascent personal card (old Alaska Airlines card):

$175 statement credit after spending $1,500

Capital One Retention Offers

In quite the change it appears Capital One is now offering some people a retention offer (HT DoC). Here are what has been seen so far. They don't normally offer anything, except for maybe getting a prorated refund if you downgrade to a card with a lower fee.

Capital One Venture X Card

We finally have some positive retention offer data points for the Venture X:

$200 Capital One travel credit after spending $2,000 within 3 months
$100 Capital One travel credit

Capital One Venture Card

There are a few positive offer reports on the Venture card as well:

Waived annual fee with no spend required

Chase Retention Offers

These are the current retention offers for Chase credit cards, including co-branded cards, sorted by card.

Chase Sapphire Reserve® Card

Here are some of the current retention offers for the Chase Sapphire Reserve card:

$150 statement credit with no spending required
$250 statement credit with no spending required
$400 statement credit with no spending required

Chase Sapphire Preferred® Card

Here are some of the current offers for the Chase Sapphire Preferred card:

$65 statement credit with no spending required
$60 statement credit with no spending required

Ink Business Preferred® Credit Card

These are a few of the recent retention offers for the Chase Ink Business Preferred card:

$50 statement credit with no spending required

IHG One Rewards Premier Credit Card

Here are some of the recent retention offers for the IHG One Rewards Premier card from Chase:

$25 statement credit with no spending required

Marriott Bonvoy Boundless Credit Card

Here are some of the current retention offers for the Marriott Bonvoy Boundless card from Chase:

$100 statement credit with no spending required
$50 statement credit with no spending required

Ritz-Carlton™ Credit Card

The following are some of the retention offers for the Ritz Carlton card from Chase:

$150 statement credit with no spending required

Southwest Rapid Rewards Plus

Here are some of the current retention offers on the Southwest Rapid Rewards Plus card:

$70 statement credit with no spending required
$35 statement credit with no spending required

Southwest Rapid Rewards Premier Business

Here are some of the retention offers on the Southwest Rapid Rewards Premier Business card:

$100 statement credit with no spending required
$50 statement credit with no spending required

Southwest Rapid Rewards Priority

Here are some of the current retention offers on the Southwest Rapid Rewards Priority card:

$150 statement credit with no spending required
$70 statement credit with no spending required

United℠ MileagePlus Explorer Card

The following are some of the recent retention offers on the United Explorer card:

$100 statement credit with no spending required

World of Hyatt Credit Card

These are some of the current retention offers on the current World of Hyatt credit card.

$95 statement credit with no spending required
$50 statement credit with no spending required

Citi Retention Offers

These are the current retention offers for Citi credit cards, including co-branded cards, sorted by card.

Citi Preferred Credit Card

These are some of the current offers on the Citi Preferred card:

7,500 Citi ThankYou Points after $1,000 spend in 90 days

Citi Strata Premier Credit Card

The following are some of the current retention offers on the Citi Premier card:

$95 statement credit after spending $95 within 30 days.
10,000 Citi ThankYou Points after $3,000 spend in 90 days.

Citi Prestige Credit Card

Here are some of the current retention offers on the Citi Prestige card:

$225 statement credit with no spending requirement
$250 statement credit after spending $5,000 spend in three months

Citi® Double Cash Card

Here are some of the current offers on the Citi Double Cash card:

Earn an extra 2X Citi ThankYou Points (on top of the normal 2X) for six months, up to 35,000 points (or $17,500 in spend)

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Here are some of the current retention offers on the AAdvantage Platinum Select card:

Waived annual fee ($99) with no spend required (cardholder for over 20 years)
10,000 American AAdvantage miles after $1,000 spending in three months
$100 statement credit after spending $3,000 in three months

Citi® / AAdvantage Business™ World Elite Mastercard®

Here are a few current offers on the Citi AAdvantage Business card:

Annual fee waiver with no spend required
7,500 miles after spending $1,000 within 90 days

ToP Thoughts

A good retention offer can be a great incentive to pay the annual fee on a credit card for another year. At the very least, you should always call or message the bank to see if they will offer you some kind of incentive to keep the card open. And remember, you can negotiate! But it's difficult to know what's a good retention offer unless you know what other people are getting. The more members that share their retention offer data points with us in the ToP Facebook group, the more complete a picture we can provide of what offers are out there. Have you received a good retention offer lately? Share your data points in the ToP Facebook group so we can continue to update this post!