[QUOTE=jatink129;19409456]If you don't want to pay the annual fee on the CSP, you can get it downgraded to just Chase Sapphire. Keep in mind that this will take away your ability to transfer points to partners.

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True, but it should still be possible to transfer UR points to another cardholder, who can do it for you; I have Ink Bold, which would allow us to downgrade CSP before the anniversary, transfer Sapphire UR to Ink.