US Bank the issuer of the XXXX XXXX XXXX XXXX XXXX and Small Business credit cards charges an annual fee for each on of their cards. I have both of these card, the personal card for my personal spending the the small business card for my small sole proprietorship. The key perk of these cards for me and many others is that when booking hotel nights using the points that the card offers the last night booked is free. For example, if you book XXXX nights at a XXXX you only will use points for the XXXX night and get the XXXX night " free '' ( i.e. you will not need to use your points ). This language was clearly still in place when I paid both annual fees earlier this year that I would receive the XXXX night free, otherwise I would not have paid the fee and canceled the card. When I called to attempt to get the fee refunded I was offered XXXX club XXXX which is worth far less than {$75.00} ( the annual fee paid or the loss of getting a XXXX night free which can be up to XXXX club XXXX points ) and is unacceptable. The annual fee on the small business card is {$60.00}. I combined the {$75.00} and {$60.00} fees below. 
