I've been an Amex cardholder for 19 years and never paid an annual fee. They waive it every time, both for business and personal cards. If you aren't an active

I've been an Amex cardholder for 19 years and never paid an annual fee. They waive it every time, both for business and personal cards. If you aren't an active user of the card then I could see them pushing back but I've never had any issue at all - it's a 5 minute call for me.