For anyone who has the Capital One Aspire card that recently devalued their points and took away the anniversary bonus, I was able to get this fee waived as well by chatting with their customer service about this issue.
The key to my point was that per the terms and conditions, the annual bonus is paid on last year's spend, so I paid the annual fee on the assumption I would be getting the anniversary bonus (no longer the case). It took about 45 min to talk to the initial CS rep and then a manager but worth the call to get the $120 credit
I'm still on the fence about keeping the card but at least this gives me some time to find an alternative as I didn't want to pay $120/yr for a devalued points system with no anniversary bonus
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