I am having a lot of trouble justifying keeping my AMEX Premier Rewards Gold Card..I just got hit with a $195 annual fee. I already have SPG as well as Chase Preferred ($450 annual) =..i used to love my Amex Gold, but the devaluation of points and loss of airline partners, at least from what I am seeing, makes this card about equal to the free cards on the market.. I dont see points valued more the .01. transfers are negative ratios to airlines, and if i buy a ticket w points its .01. the premier card comes with $100 airlines misc. so, annual fee I will say is really $95. But why even pay $95 for this card when there are so many better cards out there.. Am i missing something? pls tell me a reason after 15 years why i SHOULD continue to keep this amex premier gold card..thanks!