A 95 is an A. On your gpa it will only show an A. It doesn't care about 96-100% unless you needed it to pull your average up. That being said if you needed above a 95 to finish with an A, you don't usually get above a 95. Second, you *usually* get above a 95% doesn't mean you will. Bird in the hand and all that. Lastly, a free grade means more time to prep for other classes. Turning down the A is a bad use of your time