The following is a reader question from Sara in Chicago, IL. Sara asks: My husband and I recently took advantage of the large signup bonus offers for the American Express Gold Card. As we approach the 1 year mark, we are wondering how to keep our Membership rewards points without paying an annual fee. Is there a way that we can make this happen? While I have not done this … [Read more...] about [Reader Question] How Do I Downgrade an American Express Gold Card?