The redemption thing makes sense. I wish I had a plan for those points! That's why I keep defaulting to pure cash value. But I'm sure if I kept UR I'd end up using the 20% off eventually, because I do have a lot of domestic trips ahead. I don't usually love redeeming credit points for things bc I find it harder to work out any potential issues, but that discount is hard to resist.

It's annoying that I can't predict my actual spend. My work travel ebbs and flows so much- sometimes I'm on the road three weeks in a row, sometimes I'm home for two months straight!

Do you know of a 2% non annual fee card? The only 2% i've seen have fees. If i downgrade this card, i dont plan to pick up a fee card elsewhere.